,i  #aafth ,,congress  #b;d ,session    
,h4 ,r4 #ghgb  ,,in ,,the ,,house ,,of  
,,representatives  ,july #cj1 #bjbj,mr4 
,grothman introduced the following bill2
 which was referred to the ,committee on
 ,education and ,labor  ,a ,,bill  ,to  
amend the ,higher ,education ,act of    
#aife to authorize institutions of      
higher education to limit the amount of 
a ,federal loan that an enrolled student
 may borrow4  #a4 ,short title ,this    
,act may be cited as the ,responsible   
,borrowing ,act of #bjbj4  #b4          
,institutional determined limits        
,section #dee7;a7 of the ,higher        
,education ,act of #aife 7#bj ,u4,s4,c4 
#ajhg;e7a77 is amended by adding at the 
end the following new paragraph3  7#d7  
,institutional ,determined ,limits  7,a7
 ,in ,general ,notwithstanding any other
 provision of this ,act1 an institution 
of higher education 7at the discretion  
of a financial aid administrator at the 
institution7 may prorate or limit the   
amount of a loan any student enrolled in

 a program of study at that institution 
may borrow under this part for an       
academic year-- 7i7 if the institution  
can reasonably demonstrate that student 
debt levels are or would be excessive   
for such program by using the most      
recently available data for the average 
starting salary in the region in which  
the institution is located for typical  
occupations pursued by graduates of such
 program from the ,bureau of ,labor     
,statistics1 the applicable ,state      
agency1 or the institution2  7ii7 in a  
case in which the student is enrolled on
 a less than full-time basis or the     
student is enrolled for less than the   
period of enrollment to which the annual
 loan limit applies under this part1    
based on the student's enrollment       
status2  7iii7 based on the credential  
level 7such as a degree1 certificate1 or
 other recognized educational           
credential7 that the student would      
attain upon completion of such program2 
or  7iv7 based on the year of the       

program for which the student is seeking
 such loan4  7,b7 ,increases for        
,individual ,students ,upon the request 
of a student whose loan amount for an   
academic year has been prorated or      
limited under subparagraph 7,a71 an     
eligible institution 7at the discretion 
of the financial aid administrator at   
the institution7 may increase such loan 
amount to an amount not exceeding the   
annual loan amount applicable to such   
student under this part for such        
academic year if such student           
demonstrates special circumstances or   
exceptional need4  7,c7 ,rule of        
construction ,nothing in this paragraph 
shall be construed to authorize a       
proration or limiting of loan amounts by
 an institution of higher education     
because of a student's race1 color1     
religion1 sex1 marital status1 age1     
disability1 or national origin4  4