,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #cffb  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,july #aj1 #bjai,mrs4 
,mc,bath 7= h]self1 ,ms4 ,f9k5au]1 ,ms4 
,port]1 ,mrs4 ,axne1 ,ms4 ,davids (     
,kansas1 & ,ms4 ,scanlon7 introduc$ !   
foll[+ bill2 :i* 0 ref]r$ to !          
,committee on ,education & ,labor  ,a   
,,bill  ,to am5d ! ,high] ,education    
,act ( #aife to ensure t /ud5t borr[]s  
are provid$ relief f _! /ud5t loans 9 ! 
in/ance ( sub/antial misrepres5tation or
 omission by an in/itution ( high]      
education4  #a4 ,%ort title ,?is ,act   
may be cit$ z ! ,relief = ,defraud$     
,/ud5ts ,act ( #bjai4  #b4 ,am5dm5ts to 
t]ms & conditions ( borr[] def5ses      
,section #dee7;h7 ( ! ,high] ,education 
,act ( #aife 7#bj ,u4,s4,c4 #ajhg;e7h77 
is am5d$ to read z foll[s3  7h7 ,borr[] 
def5ses  7#a7 ,9 g5]al ,not)/&+ any o!r 
provision ( ,/ate or ,f$]al law1 a      
def5se to repaym5t ( a loan "u ?is "p   
%all include--  7,a7 a sub/antial       
misrepres5tation "u by an in/itution (  

high] education describ$ 9 section      
#dhg7;c77#c72  7,b7 an act or omission (
 an in/itution ( high] education t w\ld 
give rise to a cause ( action aga9/ su* 
in/itution ( high] education "u         
applicable ,/ate law2 or  7,c7 any o!r  
act or omission by an in/itution ( high]
 education t ! ,secret>y specifies 9 !  
regulations "u p>agraph 7#c74  7#b7     
,proc$ures  7,a7 ,9 g5]al ,! ,secret>y  
%all1 = ea* borr[] :o submits to !      
,secret>y an application ass]t+ a def5se
 to repaym5t ( a loan made "u ?is "p--  
7i7 provide an exp$iti\s & fair process 
to consid] su* application 7)\t reg>d to
 :e!r ! application is submitt$ by an   
individual borr[]1 a gr\p ( borr[]s1 or 
a repres5tative ( su* individual or     
gr\p72 &  7ii7 det]m9e ! entitlem5t ( ! 
borr[] to relief bas$ on all evid5ce    
available to ! ,dep>tm5t4  7,b7         
,indep5d5t det]m9ation ,a det]m9ation "u
 subp>agraph 7,a77ii7 ) respect to a    
borr[] %all be indep5d5t ( any action t 
! ,dep>tm5t may take "u ?is ,act to     

recov] funds f an in/itution ( high]    
education = an act or omission relat$ to
 su* det]m9ation4  7,c7 ,cancellation ( 
debt ,9 a case 9 :i* ! ,secret>y        
det]m9es "u subp>agraph 7,a77ii7 t !    
borr[] is entitl$ to relief1 ! ,secret>y
 %all--  7i7 cancel any out/&+ balance (
 pr9cipal & int]e/ due on ea* loan made 
"u ?is "p t ! borr[] receiv$ = enrollm5t
 at ! in/itution ( high] education aga9/
 :i* ! borr[] is ass]t+ ! def5se to     
repaym5t2 &  7ii7 return to ! borr[] !  
am\nt ( any paym5ts made on su* loans4  
7#c7 ,regulations ,! ,secret>y %all     
specify 9 regulations :i* acts or       
omissions ( an in/itution ( high]       
education a borr[] may ass]t z a def5se 
to repaym5t ( a loan made "u ?is "p1    
except t 9 no ev5t may a borr[] recov] f
 ! ,secret>y1 9 any action aris+ f or   
relat+ to a loan made "u ?is "p1 an     
am\nt 9 excess ( ! am\nt su* borr[] has 
repaid on su* loan4  4