,i  #aafth ,,congress  #b;d ,session    
,h4 ,r4 #hcic  ,,in ,,the ,,house ,,of  
,,representatives  ,september #bd1      
#bjbj,mr4 ,van ,drew introduced the     
following bill2 which was referred to   
the ,committee on ,education and ,labor1
 and in addition to the ,committees on  
,financial ,services1 and ,ways and     
,means1 for a period to be subsequently 
determined by the ,speaker1 in each case
 for consideration of such provisions as
 fall within the jurisdiction of the    
committee concerned  ,a ,,bill  ,to     
provide student loan forgiveness to     
health care workers who are on the      
frontline in response to ,,covid-#ai4   
#a4 ,short title ,this ,act may be cited
 as the ,frontline ,health ,care ,worker
 ,student ,loan ,assistance ,act of     
#bjbj4  #b4 ,loan forgiveness for       
frontline health care workers  7a7      
,program authorized  7#a7 ,loan         
forgiveness authorized ,beginning on the
 date that is #ij days after the date of
 enactment of this ,act1 the            

,secretaries concerned shall1 subject to
 paragraph 7#c71 forgive1 in accordance 
with this section1 the qualified loan   
amount described in subsection 7b7 of   
the student loan obligation of a        
borrower who is a frontline health care 
worker 7or whose child is a frontline   
health care worker1 in the case of a    
borrower of a loan described in section 
#i7d77;,b774  7#b7 ,methods of loan     
forgiveness  7,a7 ,in general ,to       
provide loan forgiveness under paragraph
 7#a7 to each borrower who is a         
frontline health care worker1 the       
,secretaries concerned shall carry out a
 program-- 7i7 through the holder of the
 loan1 to assume the obligation to      
repay1 by direct payments on behalf of a
 borrower to the holder of such loan1 a 
qualified loan amount for an eligible   
,federal student loan made1 insured1 or 
guaranteed under part ,b of title ,,iv  
of the ,higher ,education ,act of #aife 
7#bj ,u4,s4,c4 #ajga et seq472  7ii7 to 
cancel a qualified loan amount for an   

eligible ,federal student loan made     
under part ,d or part ,e of such title  
7#bj ,u4,s4,c4 #ajhg;a et seq42 #ajhg;aa
 et seq472 and  7iii7 to assume the     
obligation to repay1 by direct payments 
on behalf of a borrower to the private  
educational lender of such loan1 a      
qualified loan amount of an eligible    
private student loan in order to        
discharge the borrower of such loan from
 any remaining obligation to the private
 educational lender with respect to such
 qualified loan amount4  7,b7           
,forgiveness through reimbursement      
,notwithstanding subparagraph 7,a71 for 
each borrower who is a frontline health 
care worker and who has made one or more
 monthly payments toward the-- 7i7      
outstanding eligible ,federal student   
loan balance of the borrower during the 
covered period1 the ,secretary of       
,education shall reimburse the borrower1
 through direct payment to the borrower1
 in an amount equal to the total amount 
of such monthly payments made by the    

borrower on or after ,january #ca1      
#bjbj1 and before the first date on     
which any portion of a borrower's loans 
are forgiven in accordance with         
subparagraph 7,a72 and  7ii7 outstanding
 eligible private student loan balance  
of the borrower during the covered      
period1 the ,secretary of the ,treasury 
shall reimburse the borrower1 through   
direct payment to the borrower1 in an   
amount equal to the total amount of such
 monthly payments made by the borrower  
on or after ,january #ca1 #bjbj1 and    
before the first date on which any      
portion of a borrower's loans are       
forgiven in accordance with subparagraph
 7,a74  7#c7 ,authority of the          
,secretaries concerned ,the ,secretary  
of ,education shall have the authority  
to carry out the loan forgiveness       
program authorized under this section   
only with respect to eligible ,federal  
student loans1 and the ,secretary of the
 ,treasury shall have the authority to  
carry out such loan forgiveness program 

only with respect to eligible private   
student loans4  7b7 ,qualified loan     
amount  7#a7 ,total amount ,the         
,secretaries concerned shall forgive for
 each borrower who is a frontline health
 care worker an amount equal to the sum 
of the monthly loan payments that are   
due1 suspended1 or paid on each eligible
 ,federal student loan and each eligible
 private student loan of the borrower   
during the covered period4 ,each monthly
 loan payment that is included in the   
qualified loan amount of such a borrower
 shall be paid1 pursuant to paragraph   
7#b71 in accordance with either         
subparagraph 7,a7 or subparagraph 7,b7  
of subsection 7a77#b71 but not both4    
7#b7 ,methods of forgiveness of         
qualified loan amount ,the ,secretaries 
concerned shall determine the method of 
forgiveness for each monthly loan       
payment included in a qualified loan    
amount as follows3 7,a7 ,the            
,secretaries concerned shall provide    
forgiveness in accordance with          

subparagraph 7,a7 of subsection 7a77#b7 
for-- 7i7 each monthly loan payment     
during the covered period that is due on
 or after the date that is #ij days     
after the date of enactment of this     
,act2  7ii7 each monthly loan payment   
during the covered period that is due   
before the date that is #ij days after  
the date of enactment of this ,act and  
has not been paid before such date2 and 
7iii7 the total amount of the monthly   
loan payments that are suspended as a   
result of a qualifying emergency        
pursuant to section #ceac of the ,,cares
 ,act 7#bj ,u4,s4,c4 #ajja note7 or at  
the direction of the ,secretary of      
,education1 determined by calculating   
the sum of the amounts of each monthly  
loan payment that would have been due   
during the covered period if monthly    
loan payments were not suspended4  7,b7 
,the ,secretaries concerned shall       
provide forgiveness in accordance with  
subparagraph 7,b7 of subsection 7a77#b7 
for the total amount of monthly loan    

payments during the period beginning on 
,january #ca1 #bjbj1 and ending on the  
date that is #ij days after the date of 
enactment of this ,act1 that have been  
paid by the borrower on or before the   
termination of such period4  7c7        
,consideration of payments              
,notwithstanding any other provision of 
the ,higher ,education ,act of #aife    
7#bj ,u4,s4,c4 #ajja et seq471 the      
,secretary of ,education shall deem each
 month for which a loan payment was     
forgiven under this section as if the   
borrower of the loan had made a payment 
for the purpose of any loan forgiveness 
program or loan rehabilitation program  
authorized under part ,b or ,d of title 
,,iv of the ,higher ,education ,act of  
#aife 7#bj ,u4,s4,c4 #ajga et seq42     
#ajhg;a et seq47 for which the borrower 
would have otherwise qualified4  7d7    
,exclusion from taxable income ,the     
qualified loan amount of a borrower that
 is forgiven under this section1        
including through reimbursement pursuant

 to subsection 7a77#b77;,b71 shall not  
be included in the gross income of the  
borrower for purposes of the ,internal  
,revenue ,code of #aihf4  #c4           
,coordinated program requirements ,the  
,secretaries concerned shall jointly    
develop the program required under      
section #b1 and shall coordinate and    
consult with one another in carrying out
 such program to ensure that-- 7#a7     
borrowers with outstanding eligible     
,federal student loans and borrowers    
with outstanding eligible private       
student loans are notified of the       
availability of student loan forgiveness
 under this ,act2  7#b7 frontline health
 care workers who are borrowers of both 
eligible ,federal student loans and     
eligible private student loans may apply
 for loan forgiveness of both ,federal  
and private student loans under section 
#b with submission of only one          
application2  7#c7 determinations of    
eligibility are uniform and consistent1 
regardless of whether the frontline     

health care worker is a borrower of     
eligible ,federal student loans1        
eligible private student loans1 or both2
 and  7#d7 such program is made         
available to any frontline health care  
worker 7including a worker who does not 
meet the definition of frontline health 
care worker solely because such worker  
did not complete at least #c months of  
full-time service 7or the equivalent7   
prior to death7 who was a borrower of   
eligible ,federal student loans1        
eligible private student loans1 or both1
 and who died as a result of the        
coronavirus1 to relieve the family and  
estate of such deceased worker of the   
burden of the student loan obligation of
 the such deceased worker4  #d4 ,notice 
of availability of loan forgiveness  7a7
 ,notice to the public ,not later than  
#ae days after the date of enactment of 
this ,act1 the ,secretaries concerned1  
in consultation with institutions of    
higher education and lenders and holders
 of ,federal student loans and private  

education loans1 shall take such actions
 as may be necessary to ensure that     
borrowers who have outstanding eligible 
,federal student loans1 outstanding     
eligible private student loans1 or both1
 are aware of the student loan          
forgiveness program authorized by this  
,act4 ,such information shall-- 7#a7 be 
presented in a form that is widely      
available to the public1 especially to  
borrowers with eligible ,federal student
 loans1 eligible private student loans1 
or both1 and to frontline health care   
workers2  7#b7 be easily understandable2
 and  7#c7 clearly notify borrowers that
 to be considered for loan forgiveness  
under this ,act1 borrowers must submit  
an application to the ,secretaries      
concerned1 and must do so during the    
application period described in section 
#e4  7b7 ,notice in ,federal loans      
statements ,with each billing statement 
sent to a borrower during the two-year  
period beginning on the #aeth day after 
the date of enactment of this ,act1 the 

,secretary of ,education shall include1 
and shall require each holder of        
eligible ,federal student loans to      
include1 a notice informing the borrower
 of the availability of the student loan
 forgiveness program for frontline      
health care workers under this ,act1    
including where to find information     
about how to qualify as a frontline     
health care worker1 how to apply to such
 program1 the types of ,federal and     
private loans that are eligible for     
forgiveness1 and the application        
deadline for such program4  7c7 ,notice 
in private loans statements ,section    
#abh7;e7 of the ,truth in ,lending ,act 
7#ae ,u4,s4,c4 #afch7;e77 is amended by 
adding at the end the following new     
paragraph3  7#ab7 ,notice required along
 with billing statements ,with each     
billing statement sent to the borrower  
during the two-year period beginning on 
the #aeth day after the date of         
enactment of the ,frontline ,health     
,care ,worker ,student ,loan ,assistance

 ,act of #bjbj1 the private educational 
lender shall include a notice informing 
the borrower of the availability of the 
student loan forgiveness program for    
frontline health care workers under the 
,frontline ,health ,care ,worker        
,student ,loan ,assistance ,act of      
#bjbj1 including where to find          
information about how to qualify as a   
frontline health care worker1 how to    
apply to such program1 the types of     
,federal and private loans that are     
eligible for forgiveness1 and the       
application deadline for such program4  
4  #e4 ,application and determination of
 eligibility  7a7 ,application period   
,an individual may apply for loan       
forgiveness under section #b by         
submitting an application to the        
,secretaries concerned during the period
 that begins on the date that is #fj    
days after the date of enactment of this
 ,act and that ends on the date that is 
#b years after the end of the covered   
period4  7b7 ,determination of          

eligibility  7#a7 ,development of       
application ,not later than #de days    
after the date of enactment of this     
,act1 the ,secretaries concerned shall  
jointly1 in consultation with the       
,secretary of ,health and ,human        
,services and the ,intergovernmental    
,working ,group 7in accordance with     
section #f71 develop one application for
 borrowers of both eligible ,federal    
student loans and eligible private      
student loans to apply for loan         
forgiveness under this ,act4  7#b7      
,application requirements ,the          
application required under paragraph    
7#a7 may only include such information  
as is necessary for the ,secretaries    
concerned to-- 7,a7 make a determination
 of whether the applicant-- 7i7 is a    
frontline health care worker2 and  7ii7 
is a borrower of an eligible ,federal   
student loan1 an eligible private       
student loan1 or both2 and  7,b7        
determine the qualified loan amount of  
the applicant1 if the application is    

approved1 including the amount described
 in section #b7;b77#b77;,b74  7#c7      
,determination ,not later than #cj days 
after the date on which the ,secretaries
 concerned receive an application from  
an individual in accordance with this   
,act1 the ,secretaries concerned shall--
 7,a7 confirm that such individual is a 
frontline health care worker who is a   
borrower of an eligible ,federal student
 loan1 an eligible private student loan1
 or both1 then notify the individual of 
such confirmation1 and grant the        
individual loan forgiveness in          
accordance with section #b2 or  7,b7    
determine that such individual is not a 
frontline health care worker who is a   
borrower of an eligible ,federal student
 loan1 an eligible private student loan1
 or both1 then deny such application1   
and provide a notification to the       
individual that includes-- 7i7 that the 
application was denied2  7ii7 the reason
 for such denial2 and  7iii7 if the     
application was denied because the      

,secretaries concerned determined that  
the applicant was not a frontline health
 care worker1 an explanation that the   
individual may appeal the denial to the 
,intergovernmental ,working ,group      
within #cj days of the date of such     
denial1 and information on how the      
applicant may submit such an appeal4    
7#d7 ,treatment after successful appeal 
,in the case that an individual appeals 
the denial of an application to the     
,intergovernmental ,working ,group in   
accordance with section #f1 and the     
individual is determined by the         
,intergovernmental ,working ,group to be
 a frontline health care worker1 the    
,secretaries concerned shall grant the  
individual loan forgiveness in          
accordance with section #b not later    
than #cj days after the ,secretaries    
concerned are notified of the outcome of
 the appeal by the ,intergovernmental   
,working ,group4  #f4 ,intergovernmental
 ,working ,group  7a7 ,establishment    
,not later than #cj days after the date 

of the enactment of this ,act1 the      
,secretaries concerned and the          
,secretary of ,health and ,human        
,services shall jointly establish an    
,intergovernmental ,working ,group to   
assist1 in accordance with this section1
 with the administration of the program 
required under this ,act4  7b7          
,membership ,the ,intergovernmental     
,working ,group shall have #i members1  
of whom-- 7#a7 five members shall be    
selected by the ,secretary of ,health   
and ,human ,services from employees of  
the ,department of ,health and ,human   
,services who are knowledgeable         
concerning the education1 training1     
employment1 and medical practices of    
health care professionals and the health
 care workforce2  7#b7 two members shall
 be selected by the ,secretary of       
,education from employees of the        
,department of ,education who are       
knowledgeable concerning eligible       
,federal student loans and the          
administration of such loans2 and  7#c7 

two members shall be selected by the    
,secretary of the ,treasury from        
employees of the ,department of the     
,treasury who are knowledgeable         
concerning eligible private student     
loans1 the administration of such loans1
 and private educational lenders4  7c7  
,duties ,the ,intergovernmental ,working
 ,group established under this section  
shall-- 7#a7 develop a procedure or list
 of requirements1 including a list of   
the information an individual needs to  
provide for the ,secretaries concerned1 
to determine whether an individual has  
made significant contributions to the   
medical response to the qualifying      
emergency for purposes of determining   
whether the individual is a frontline   
health care worker as defined in section
 #i7f77;,b72  7#b7 not later than #aj   
days after the date on which the        
,council is established1 report the     
information described in paragraph 7#a7 
to the ,secretaries concerned for       
inclusion in the application developed  

in accordance with section #e7;b77#a72  
7#c7 not later than #fj days after the  
date on which the ,council is           
established1 develop a process by       
which-- 7,a7 an applicant who is denied 
loan forgiveness under this ,act by the 
,secretaries concerned because of a     
determination that the applicant is not 
a frontline health care worker may1     
within #cj days of the date of such     
denial1 submit an appeal of such denial 
to the ,intergovernmental ,working      
,group2 and  7,b7 the ,intergovernmental
 ,working ,group will review the appeal 
and make a determination with respect to
 whether the applicant is a frontline   
health care worker2 and  7#d7 upon the  
request for an appeal by an applicant   
described in paragraph 7#c71 using the  
appeals process developed under such    
paragraph1 determine within #cj days    
after submission of the appeal by the   
applicant1 whether the applicant is a   
frontline health care worker1 and notify
 the ,secretaries concerned and the     

applicant of the outcome of such appeal 
within #ae days of such determination4  
#g4 ,regulations2 ,waivers  7a7         
,regulations ,the ,secretaries concerned
 are authorized to issue such           
regulations as may be necessary to carry
 out this ,act4  7b7 ,waivers ,in       
carrying out this ,act1 the ,secretaries
 concerned may waive the application    
of-- 7#a7 subchapter ,i of chapter #ce  
of title #dd1 ,united ,states ,code     
7commonly known as the ,paperwork       
,reduction ,act72  7#b7 the master      
calendar requirements under section #dhb
 of the ,higher ,education ,act of #aife
 7#bj ,u4,s4,c4 #ajhi72  7#c7 negotiated
 rulemaking under section #dib of the   
,higher ,education ,act of #aife 7#bj   
,u4,s4,c4 #ajih;a72 and  7#d7 the       
requirement to publish the notices      
related to the system of records of the 
agency before implementation required   
under paragraphs 7#d7 and 7#aa7 of      
section #eeb;a7e7 of title #e1 ,united  
,states ,code 7commonly known as the    

,privacy ,act of #aigd71 except that the
 notices shall be published not later   
than #ahj days after the date of        
enactment of this ,act4  #h4            
,termination of authority ,the authority
 of the ,secretaries concerned to carry 
out the loan forgiveness program under  
section #b1 and the authority of the    
,intergovernmental ,working ,group to   
carry out the activities authorized     
under section #f1 shall cease on the    
date that is #ahj days after the end    
date of the application period described
 in section #e7;a74  #i4 ,definitions   
,in this ,act3 7#a7 ,coronavirus ,the   
term coronavirus has the meaning given  
the term in section #ejf of the         
,coronavirus ,preparedness and ,response
 ,supplemental ,appropriations ,act1    
#bjbj 7,public ,law #aaf-abc74  7#b7    
,covered period ,the term covered period
 means the period that begins on        
,january #ca1 #bjbj1 and ends on the    
date that is #fj days after the date of 
the expiration of the public health     

emergency with respect to ,,covid-#ai   
declared by the ,secretary of ,health   
and ,human ,services under section #cai 
of the ,public ,health ,service ,act    
7#db ,u4,s4,c4 #bdg;d7 on ,january #ca1 
#bjbj4  7#c7 ,,covid-related health care
 services ,the term ,,covid-related     
health care services means any health   
care services that relate to-- 7,a7 the 
diagnosis1 prevention1 or treatment of  
the coronavirus1 including through      
telehealth services2  7,b7 the          
assessment or care of the health of a   
human being related to an actual or     
suspected case of the coronavirus1      
including through telehealth services2  
or  7,c7 patient care in a setting where
 there is a reasonable expectation of   
risk of exposure to the coronavirus4    
7#d7 ,eligible ,federal student loan    
,the term eligible ,federal student loan
 means any loan made1 insured1 or       
guaranteed under part ,b1 part ,d1 or   
part ,e of title ,,iv of the ,higher    
,education ,act of #aife before the date

 of enactment of this ,act1 including-- 
7,a7 a consolidation loan under such    
title2 and  7,b7 a loan made to the     
parent of a dependent student under     
section #dbh;,b of such ,act 7#bj       
,u4,s4,c4 #ajgh-b71 and a ,federal      
,direct ,,plus ,loan made to the parents
 of a dependent student1 only if the    
dependent student on whose behalf such  
loan was made is a frontline health care
 worker4  7#e7 ,eligible private student
 loan ,the term eligible private student
 loan means a private education loan1 as
 defined in section #adj7;a7 of the     
,truth in ,lending ,act 7#ae ,u4,s4,c4  
#afej7;a771 that was expressly for the  
cost of attendance 7as defined in       
section #dgb7 at an institution of      
higher education participating in a loan
 program under part ,b1 part ,d1 or part
 ,e of title ,,iv of the ,higher        
,education ,act of #aife 7#bj ,u4,s4,c4 
#ajgj et seq471 as of the date that the 
loan was disbursed1 and that was made   
before the date of enactment of this    

,act4  7#f7 ,frontline health care      
worker ,the term frontline health care  
worker means an individual who1 during  
the qualifying emergency1 for a period  
of not less than #c months of full-time 
service 7or the part-time equivalent71  
in exchange for payment or as a         
volunteer-- 7,a7 is-- 7i7 a doctor1     
medical resident1 medical intern1       
medical fellow1 nurse1 home health care 
worker1 mental health professional1 or  
other health care professional who is   
licensed1 registered1 or certified under
 ,federal or ,state law to provide      
health care services and who provides   
,,covid-related health care services2   
7ii7 a student enrolled at an           
institution of higher education in a    
medical1 nursing1 or other relevant     
health care program of study who        
provides ,,covid-related health care    
services2  7iii7 a laboratory worker who
 conducts1 evaluates1 or analyzes       
coronavirus testing2  7iv7 a medical    
researcher who conducts research related

 to the prevention1 treatment1 or cure  
of the coronavirus2 or  7v7 an emergency
 medical services worker who responds to
 health emergencies or transports       
patients to hospitals or other medical  
facilities2 or  7,b7 does not meet the  
requirements of any of the clauses under
 subparagraph 7,a71 but is a health care
 professional who is licensed1          
registered1 or certified under ,federal 
or ,state law to provide health care and
 has made significant contributions to  
the medical response to the qualifying  
emergency4  7#g7 ,institution of higher 
education ,the term institution of      
higher education has the meaning given  
such term in section #ajb of the ,higher
 ,education ,act of #aife 7#bj ,u4,s4,c4
 #ajjb74  7#h7 ,private educational     
lender ,the term private educational    
lender has the meaning given the term in
 section #adj7;a7 of the ,truth in      
,lending ,act 7#ae ,u4,s4,c4 #afej7;a774
  7#i7 ,qualifying emergency ,the term  
qualifying emergency means-- 7,a7 the   

public health emergency with respect to 
,,covid-#ai declared by the ,secretary  
of ,health and ,human ,services under   
section #cai of the ,public ,health     
,service ,act 7#db ,u4,s4,c4 #bdg;d7 on 
,january #ca1 #bjbj2  7,b7 an event     
related to the coronavirus for which--  
7i7 the ,president declared a major     
disaster or an emergency under section  
#dja or #eja1 respectively1 of the      
,robert ,t4 ,stafford ,disaster ,relief 
and ,emergency ,assistance ,act 7#db    
,u4,s4,c4 #eagj and #eaia72 or  7ii7 the
 governor of a ,state or territory of   
the ,united ,states declared an         
emergency2 or  7,c7 a national emergency
 related to the coronavirus declared by 
the ,president under section #bja of the
 ,national ,emergencies ,act 7#ej       
,u4,s4,c4 #afja et seq474  7#aj7        
,secretaries concerned ,the term        
,secretaries concerned means-- 7,a7 the 
,secretary of ,education1 with respect  
to eligible ,federal student loans and  
borrowers of such loans2 and  7,b7 the  

,secretary of the ,treasury1 with       
respect to eligible private student     
loans and borrowers of such loans4