,,ii  #aae? ,,congress  #a/ ,session    
,s4 #bacf  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,novemb] #af1 #bjag    
,mr4 ,:iteh\se 7= himself & ,mr4 ,ka9e7 
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on       
,heal?1 ,education1 ,labor1 & ,p5sions  
,a ,,bill  ,to exp& ! mon?ly paym5ts t  
may be eligible = public s]vice loan    
=giv5ess4  #a4 ,%ort title  ,?is ,act   
may be cit$ z ! ,,pslf ,te*nical        
,corrections ,act4  #b4 ,am5dm5t to !   
,high] ,education ,act ( #aife ,section 
#dee7m7 ( ! ,high] ,education ,act (    
#aife 7#bj ,u4,s4,c4 #ajhg;e7m77 is     
am5d$-- 7#a7 by r$esignat+ p>agraphs    
7#b7 ?r\gh 7#d7 z p>agraphs 7#c7 ?r\gh  
7#e71 respectively2  7#b7 9 p>agraph    
7#a7-- 7,a7 9 ! matt] prec$+ subp>agraph
 7,a71 by /rik+ p>agraph 7#b7 & ins]t+  
p>agraph 7#c72 &  7,b7 9 subp>agraph    
7,a7-- 7i7 9 clause 7ii71 by ins]t+ or  
aft] ! semicolon2  7ii7 by /rik+ clause 
7iii72 &  7iii7 by r$esignat+ clause    
7iv7 z clause 7iii72  7#c7 by ins]t+    

aft] p>agraph 7#a7 ! foll[+3  7#b7      
,comp>able paym5ts  7,a7 ,9 ,g5]al ,9   
addition to cancel+ ! balance ( int]e/ &
 pr9cipal due = a borr[] describ$ 9     
p>agraph 7#a71 ! ,secret>y %all also    
cancel ! balance ( int]e/ & pr9cipal    
due1 9 accordance ) p>agraph 7#c71 on   
any eligible ,f$]al ,direct ,loan n 9   
default = a borr[] :o--  7i7 is 9 a     
repaym5t plan bas$ on income "u         
subsection 7e7 or section #dic;,c at !  
"t t borr[] applies = loan =giv5ess "u  
?is subsection2  7ii7 has made #abj--   
7,i7 qualify+ mon?ly paym5ts1 z def9$ 9 
subp>agraph 7,b77i71 on ! eligible      
,f$]al ,direct ,loan aft] ,octob] #a1   
#bjjg2  7,,ii7 qualify+ mon?ly paym5ts1 
z def9$ 9 subp>agraph 7,b77ii71 on !    
eligible ,f$]al ,direct ,loan aft]      
,octob] #a1 #bjjg2 or  7,,iii7 total    
mon?ly paym5ts t qualify = loan =giv5ess
 "u ?is subsection1 :i* may include any 
comb9ation ( paym5ts t o!rwise qualify  
"u p>agraph 7#a71 qualify+ mon?ly       
paym5ts describ$ 9 subclause 7,i71 or   

qualify+ mon?ly paym5ts describ$ 9      
subclause 7,,ii72  7iii7 is employ$ 9 a 
public s]vice job at ! "t ( su*         
=giv5ess2 &  7iv7 has be5 employ$ 9 a   
public s]vice job dur+ ! p]iod 9 :i* !  
borr[] makes ea* ( ! #abj paym5ts       
describ$ 9 clause 7ii74  7,b7 ,qualify+ 
mon?ly paym5t ,9 ?is p>agraph1 ! t]m    
qualify+ mon?ly paym5t means-- 7i7 7,i7 
an initial mon?ly paym5t t 0--  7aa7    
made "u any repaym5t plan t is n        
describ$ 9 clause 7i71 7ii71 or 7iii7 ( 
p>agraph 7#a77;,a72 &  7bb7 ( an am\nt t
 is n less ?an-- 7,,aa7 ! mon?ly am\nt t
 ! borr[] is requir$ to pay 9 ! repaym5t
 plan bas$ on income describ$ 9         
subp>agraph 7,a77i72 or 7,,bb7 ! mon?ly 
am\nt t ! borr[] w\ld h be5 requir$ to  
pay if ! borr[] _h ent]$ a repaym5t plan
 bas$ on income "u subsection 7e7 or    
section #dic;,c at ! "t ! borr[] ent]$ !
 repaym5t plan describ$ 9 item 7aa72 &  
7,,ii7 e subsequ5t mon?ly paym5t t !    
borr[] made aft] ! initial paym5t       
describ$ 9 subclause 7,i7 & be=e !      

borr[] ent]$ ! repaym5t plan bas$ on    
income describ$ 9 subp>agraph 7,a77i72  
or  7ii7 a mon?ly paym5t c]tifi$ ?r\gh !
 ext5d$ review process describ$ 9       
subp>agraph 7,c74  7,c7 ,qualify+ mon?ly
 paym5t ?r\gh ext5d$ review  7i7 ,9     
,g5]al ,a borr[] :o has n made #abj     
qualify+ mon?ly paym5ts1 z def9$ 9      
subp>agraph 7,b77i71 may reque/ t !     
,secret>y complete an ext5d$ review ( ! 
borr[]'s repaym5t hi/ory4  7ii7 ,ext5d$ 
review ,if ! ,secret>y receives a reque/
 = an ext5d$ review describ$ 9 clause   
7i71 ! ,secret>y %all--  7,i7 = ea* mon?
 ( pa/ paym5ts made "u a plan t is n    
describ$ 9 clause 7i71 7ii71 or 7iii7 ( 
p>agraph 7#a77;,a7 aft] ,octob] #a1     
#bjjg1 det]m9e ! am\nt t ! borr[] w\ld h
 be5 requir$ to pay 9 t mon? 7bas$ on ! 
borr[]'s income 9 t ye> or mon?7 if !   
borr[] _h be5 on ! repaym5t plan bas$ on
 income describ$ 9 subp>agraph 7,a77i7 9
 t mon?2 &  7,,ii7 c]tify z a qualify+  
mon?ly paym5t1 any mon? = :i* ! paym5t !
 borr[] actually made 9 t mon? 0 n less 

?an ! am\nt ( ! paym5t calculat$ "u     
subclause 7,i7 = t mon?4  2 &  7#d7 9   
p>agraph 7#c71 z r$esignat$ by p>agraph 
7#a71 by ins]t+ or p>agraph 7#b71 z !   
case may be aft] p>agraph 7#a74