,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #cjie  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,june #d1 #bjai,mr4   
,swalwell ( ,cali=nia 7= himself1 ,mr4  
,m\lton1 ,mrs4 ,napolitano1 ,ms4        
,norton1 ,mr4 ,br5dan ,f4 ,boyle (      
,p5nsylvania1 & ,mr4 ,kilm]7 introduc$ !
 foll[+ bill2 :i* 0 ref]r$ to !         
,committee on ,education & ,labor  ,a   
,,bill  ,to am5d ! ,high] ,education    
,act ( #aife to direct ! ,secret>y (    
,education to provide ea* borr[] ) an   
individualiz$ repaym5t guide4  #a4 ,%ort
 title ,?is ,act may be cit$ z ! ,"k    
,y\r ,repaym5t ,options ,act4  #b4      
,individualiz$ repaym5t plan guide  7a7 
,exit c\nsel+ ,section                  
#dhe7;b77#a77;,a77i7 ( ! ,high]         
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajib7;b77#a77;,a77i77 is am5d$ by      
ins]t+1 or1 if available1 ! in=mation   
describ$ 9 subsection 7n77#a71 aft]     
mon?ly paym5ts14  7b7 ,individualiz$    
repaym5t plan guide ,section #dhe ( !   
,high] ,education ,act ( #aife 7#bj     

,u4,s4,c4 #ajib7 is am5d$ by add+ at !  
end ! foll[+3  7n7 ,individualiz$       
repaym5t plan guide ,beg9n+ #a ye> aft] 
a borr[] receives exit c\nsel+ "u       
subsection 7b71 & annually !reaft] until
 ! borr[] has repaid ea* loan ( ! borr[]
 t is made1 insur$1 or gu>ante$ "u "p ,b
 7o!r ?an loans made pursuant to section
 #dbh;,c or loans "u section #dbh;,b    
made on behalf ( a /ud5t7 or made "u "p 
,d 7o!r ?an ,f$]al ,direct              
,consolidation ,loans or ,f$]al ,direct 
,,plus ,loans made on behalf ( a /ud5t71
 ! ,secret>y %all--  7#a7 provide !     
borr[] 7bas$ on ! borr[]'s annual income
 & ! out/&+ balance ( pr9cipal & int]e/ 
due on all su* loans71 = ea* repaym5t   
plan available = su* loans--  7,a7 !    
av]age anticipat$ mon?ly paym5t am\nt2  
7,b7 ! ye>ly paym5t am\nt2  7,c7 !      
lifetime paym5t am\nt2  7,d7 ! numb] (  
mon?s rema9+ to pay (f ! loans2  7,e7 ! 
am\nt ( ! loans t h be5 =giv52  7,f7 a  
l9k to ! place on ! ,web site ( !       
,dep>tm5t t all[s borr[]s to *ange      

repaym5t plans or provides in=mation    
ab\t *ang+ su* plans2 &  7,g7 any o!r   
in=mation ! ,secret>y det]m9es may be   
helpful to ! borr[] 9 det]m9+ :i*       
repaym5t paym5t plan ! borr[] %\ld      
*oose2  7#b7 e/abli% proc$ures = annual 
v]ification ( ! borr[]'s annual income &
 ! out/&+ balance ( pr9cipal & int]e/   
due on all su* loans1 & su* o!r         
proc$ures z are necess>y to effectively 
provide ! in=mation "u p>agraph 7#a71   
includ+ proc$ures t all[ ! borr[] to    
cons5t to ! %>+ ( su* data betwe5 !     
,int]nal ,rev5ue ,s]vice & ! ,dep>tm5t =
 ! entire p]iod ! borr[] is provid$ !   
in=mation "u p>agraph 7#a71 9 a mann] t 
is z lea/ burd5some z practical to !    
borr[]2 &  7#c7 enable ! borr[]1 at any 
"t1 to opt out ( be+ provid$ ! in=mation
 "u p>agraph 7#a7 on an annual basis4  4