,i  #aaf? ,,congress  #b;d ,session  ,h4
 ,r4 #hcic  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,septemb] #bd1        
#bjbj,mr4 ,van ,drew introduc$ ! foll[+ 
bill2 :i* 0 ref]r$ to ! ,committee on   
,education & ,labor1 & 9 addition to !  
,committees on ,f9ancial ,s]vices1 &    
,ways & ,means1 = a p]iod to be         
subsequ5tly det]m9$ by ! ,speak]1 9 ea* 
case = consid]ation ( su* provisions z  
fall )9 ! jurisdiction ( ! committee    
conc]n$  ,a ,,bill  ,to provide /ud5t   
loan =giv5ess to heal? c>e work]s :o are
 on ! frontl9e 9 response to            
,,covid-#ai4  #a4 ,%ort title ,?is ,act 
may be cit$ z ! ,frontl9e ,heal? ,c>e   
,work] ,/ud5t ,loan ,assi/ance ,act (   
#bjbj4  #b4 ,loan =giv5ess = frontl9e   
heal? c>e work]s  7a7 ,program au?oriz$ 
7#a7 ,loan =giv5ess au?oriz$ ,beg9n+ on 
! date t is #ij days aft] ! date (      
enactm5t ( ?is ,act1 ! ,secret>ies      
conc]n$ %all1 subject to p>agraph 7#c71 
=give1 9 accordance ) ?is section1 !    
qualifi$ loan am\nt describ$ 9          

subsection 7b7 ( ! /ud5t loan obligation
 ( a borr[] :o is a frontl9e heal? c>e  
work] 7or ^: *ild is a frontl9e heal?   
c>e work]1 9 ! case ( a borr[] ( a loan 
describ$ 9 section #i7d77;,b774  7#b7   
,me?ods ( loan =giv5ess  7,a7 ,9 g5]al  
,to provide loan =giv5ess "u p>agraph   
7#a7 to ea* borr[] :o is a frontl9e     
heal? c>e work]1 ! ,secret>ies conc]n$  
%all c>ry out a program-- 7i7 ?r\gh !   
hold] ( ! loan1 to assume ! obligation  
to repay1 by direct paym5ts on behalf ( 
a borr[] to ! hold] ( su* loan1 a       
qualifi$ loan am\nt = an eligible ,f$]al
 /ud5t loan made1 insur$1 or gu>ante$ "u
 "p ,b ( title ,,iv ( ! ,high]          
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajga et seq472  7ii7 to cancel a       
qualifi$ loan am\nt = an eligible ,f$]al
 /ud5t loan made "u "p ,d or "p ,e ( su*
 title 7#bj ,u4,s4,c4 #ajhg;a et seq42  
#ajhg;aa et seq472 &  7iii7 to assume ! 
obligation to repay1 by direct paym5ts  
on behalf ( a borr[] to ! private       
educational l5d] ( su* loan1 a qualifi$ 

loan am\nt ( an eligible private /ud5t  
loan 9 ord] to dis*>ge ! borr[] ( su*   
loan f any rema9+ obligation to !       
private educational l5d] ) respect to   
su* qualifi$ loan am\nt4  7,b7 ,=giv5ess
 ?r\gh reimbursem5t ,not)/&+ subp>agraph
 7,a71 = ea* borr[] :o is a frontl9e    
heal? c>e work] & :o has made "o or m   
mon?ly paym5ts t[>d !-- 7i7 out/&+      
eligible ,f$]al /ud5t loan balance ( !  
borr[] dur+ ! cov]$ p]iod1 ! ,secret>y (
 ,education %all reimburse ! borr[]1    
?r\gh direct paym5t to ! borr[]1 9 an   
am\nt equal to ! total am\nt ( su*      
mon?ly paym5ts made by ! borr[] on or   
aft] ,janu>y #ca1 #bjbj1 & be=e ! fir/  
date on :i* any portion ( a borr[]'s    
loans are =giv5 9 accordance )          
subp>agraph 7,a72 &  7ii7 out/&+        
eligible private /ud5t loan balance ( ! 
borr[] dur+ ! cov]$ p]iod1 ! ,secret>y (
 ! ,treasury %all reimburse ! borr[]1   
?r\gh direct paym5t to ! borr[]1 9 an   
am\nt equal to ! total am\nt ( su*      
mon?ly paym5ts made by ! borr[] on or   

aft] ,janu>y #ca1 #bjbj1 & be=e ! fir/  
date on :i* any portion ( a borr[]'s    
loans are =giv5 9 accordance )          
subp>agraph 7,a74  7#c7 ,au?ority ( !   
,secret>ies conc]n$ ,! ,secret>y (      
,education %all h ! au?ority to c>ry out
 ! loan =giv5ess program au?oriz$ "u ?is
 section only ) respect to eligible     
,f$]al /ud5t loans1 & ! ,secret>y ( !   
,treasury %all h ! au?ority to c>ry out 
su* loan =giv5ess program only ) respect
 to eligible private /ud5t loans4  7b7  
,qualifi$ loan am\nt  7#a7 ,total am\nt 
,! ,secret>ies conc]n$ %all =give = ea* 
borr[] :o is a frontl9e heal? c>e work] 
an am\nt equal to ! sum ( ! mon?ly loan 
paym5ts t are due1 susp5d$1 or paid on  
ea* eligible ,f$]al /ud5t loan & ea*    
eligible private /ud5t loan ( ! borr[]  
dur+ ! cov]$ p]iod4 ,ea* mon?ly loan    
paym5t t is includ$ 9 ! qualifi$ loan   
am\nt ( su* a borr[] %all be paid1      
pursuant to p>agraph 7#b71 9 accordance 
) ei!r subp>agraph 7,a7 or subp>agraph  
7,b7 ( subsection 7a77#b71 b n bo?4     

7#b7 ,me?ods ( =giv5ess ( qualifi$ loan 
am\nt ,! ,secret>ies conc]n$ %all       
det]m9e ! me?od ( =giv5ess = ea* mon?ly 
loan paym5t includ$ 9 a qualifi$ loan   
am\nt z foll[s3 7,a7 ,! ,secret>ies     
conc]n$ %all provide =giv5ess 9         
accordance ) subp>agraph 7,a7 (         
subsection 7a77#b7 =-- 7i7 ea* mon?ly   
loan paym5t dur+ ! cov]$ p]iod t is due 
on or aft] ! date t is #ij days aft] !  
date ( enactm5t ( ?is ,act2  7ii7 ea*   
mon?ly loan paym5t dur+ ! cov]$ p]iod t 
is due be=e ! date t is #ij days aft] ! 
date ( enactm5t ( ?is ,act & has n be5  
paid be=e su* date2 &  7iii7 ! total    
am\nt ( ! mon?ly loan paym5ts t are     
susp5d$ z a result ( a qualify+ em]g5cy 
pursuant to section #ceac ( ! ,,c>es    
,act 7#bj ,u4,s4,c4 #ajja note7 or at ! 
direction ( ! ,secret>y ( ,education1   
det]m9$ by calculat+ ! sum ( ! am\nts ( 
ea* mon?ly loan paym5t t w\ld h be5 due 
dur+ ! cov]$ p]iod if mon?ly loan       
paym5ts 7 n susp5d$4  7,b7 ,!           
,secret>ies conc]n$ %all provide        

=giv5ess 9 accordance ) subp>agraph 7,b7
 ( subsection 7a77#b7 = ! total am\nt ( 
mon?ly loan paym5ts dur+ ! p]iod beg9n+ 
on ,janu>y #ca1 #bjbj1 & end+ on ! date 
t is #ij days aft] ! date ( enactm5t (  
?is ,act1 t h be5 paid by ! borr[] on or
 be=e ! t]m9ation ( su* p]iod4  7c7     
,consid]ation ( paym5ts ,not)/&+ any o!r
 provision ( ! ,high] ,education ,act ( 
#aife 7#bj ,u4,s4,c4 #ajja et seq471 !  
,secret>y ( ,education %all deem ea*    
mon? = :i* a loan paym5t 0 =giv5 "u ?is 
section z if ! borr[] ( ! loan _h made a
 paym5t = ! purpose ( any loan =giv5ess 
program or loan rehabilitation program  
au?oriz$ "u "p ,b or ,d ( title ,,iv ( !
 ,high] ,education ,act ( #aife 7#bj    
,u4,s4,c4 #ajga et seq42 #ajhg;a et     
seq47 = :i* ! borr[] w\ld h o!rwise     
qualifi$4  7d7 ,exclusion f taxable     
income ,! qualifi$ loan am\nt ( a borr[]
 t is =giv5 "u ?is section1 includ+     
?r\gh reimbursem5t pursuant to          
subsection 7a77#b77;,b71 %all n be      
includ$ 9 ! gross income ( ! borr[] =   

purposes ( ! ,int]nal ,rev5ue ,code (   
#aihf4  #c4 ,coord9at$ program          
requirem5ts ,! ,secret>ies conc]n$ %all 
jo9tly develop ! program requir$ "u     
section #b1 & %all coord9ate & consult )
 "o ano!r 9 c>ry+ out su* program to    
ensure t-- 7#a7 borr[]s ) out/&+        
eligible ,f$]al /ud5t loans & borr[]s ) 
out/&+ eligible private /ud5t loans are 
notifi$ ( ! availability ( /ud5t loan   
=giv5ess "u ?is ,act2  7#b7 frontl9e    
heal? c>e work]s :o are borr[]s ( bo?   
eligible ,f$]al /ud5t loans & eligible  
private /ud5t loans may apply = loan    
=giv5ess ( bo? ,f$]al & private /ud5t   
loans "u section #b ) submission ( only 
"o application2  7#c7 det]m9ations (    
eligibility are uni=m & consi/5t1       
reg>dless ( :e!r ! frontl9e heal? c>e   
work] is a borr[] ( eligible ,f$]al     
/ud5t loans1 eligible private /ud5t     
loans1 or bo?2 &  7#d7 su* program is   
made available to any frontl9e heal? c>e
 work] 7includ+ a work] :o does n meet !
 def9ition ( frontl9e heal? c>e work]   

solely because su* work] did n complete 
at lea/ #c mon?s ( full-"t s]vice 7or ! 
equival5t7 prior to dea?7 :o 0 a borr[] 
( eligible ,f$]al /ud5t loans1 eligible 
private /ud5t loans1 or bo?1 & :o di$ z 
a result ( ! coronavirus1 to relieve !  
family & e/ate ( su* deceas$ work] ( !  
burd5 ( ! /ud5t loan obligation ( ! su* 
deceas$ work]4  #d4 ,notice (           
availability ( loan =giv5ess  7a7       
,notice to ! public ,n lat] ?an #ae days
 aft] ! date ( enactm5t ( ?is ,act1 !   
,secret>ies conc]n$1 9 consultation )   
in/itutions ( high] education & l5d]s & 
hold]s ( ,f$]al /ud5t loans & private   
education loans1 %all take su* actions z
 may be necess>y to ensure t borr[]s :o 
h out/&+ eligible ,f$]al /ud5t loans1   
out/&+ eligible private /ud5t loans1 or 
bo?1 are aw>e ( ! /ud5t loan =giv5ess   
program au?oriz$ by ?is ,act4 ,su*      
in=mation %all-- 7#a7 be pres5t$ 9 a =m 
t is widely available to ! public1      
especially to borr[]s ) eligible ,f$]al 
/ud5t loans1 eligible private /ud5t     

loans1 or bo?1 & to frontl9e heal? c>e  
work]s2  7#b7 be easily und]/&able2 &   
7#c7 cle>ly notify borr[]s t to be      
consid]$ = loan =giv5ess "u ?is ,act1   
borr[]s mu/ submit an application to !  
,secret>ies conc]n$1 & mu/ d s dur+ !   
application p]iod describ$ 9 section #e4
  7b7 ,notice 9 ,f$]al loans /atem5ts ,)
 ea* bill+ /atem5t s5t to a borr[] dur+ 
! two-ye> p]iod beg9n+ on ! #ae? day    
aft] ! date ( enactm5t ( ?is ,act1 !    
,secret>y ( ,education %all include1 &  
%all require ea* hold] ( eligible ,f$]al
 /ud5t loans to include1 a notice in=m+ 
! borr[] ( ! availability ( ! /ud5t loan
 =giv5ess program = frontl9e heal? c>e  
work]s "u ?is ,act1 includ+ :]e to f9d  
in=mation ab\t h[ to qualify z a        
frontl9e heal? c>e work]1 h[ to apply to
 su* program1 ! types ( ,f$]al & private
 loans t are eligible = =giv5ess1 & !   
application deadl9e = su* program4  7c7 
,notice 9 private loans /atem5ts        
,section #abh7;e7 ( ! ,tru? 9 ,l5d+ ,act
 7#ae ,u4,s4,c4 #afch7;e77 is am5d$ by  

add+ at ! end ! foll[+ new p>agraph3    
7#ab7 ,notice requir$ along ) bill+     
/atem5ts ,) ea* bill+ /atem5t s5t to !  
borr[] dur+ ! two-ye> p]iod beg9n+ on ! 
#ae? day aft] ! date ( enactm5t ( !     
,frontl9e ,heal? ,c>e ,work] ,/ud5t     
,loan ,assi/ance ,act ( #bjbj1 ! private
 educational l5d] %all include a notice 
in=m+ ! borr[] ( ! availability ( !     
/ud5t loan =giv5ess program = frontl9e  
heal? c>e work]s "u ! ,frontl9e ,heal?  
,c>e ,work] ,/ud5t ,loan ,assi/ance ,act
 ( #bjbj1 includ+ :]e to f9d in=mation  
ab\t h[ to qualify z a frontl9e heal?   
c>e work]1 h[ to apply to su* program1 !
 types ( ,f$]al & private loans t are   
eligible = =giv5ess1 & ! application    
deadl9e = su* program4  4  #e4          
,application & det]m9ation ( eligibility
  7a7 ,application p]iod ,an individual 
may apply = loan =giv5ess "u section #b 
by submitt+ an application to !         
,secret>ies conc]n$ dur+ ! p]iod t beg9s
 on ! date t is #fj days aft] ! date (  
enactm5t ( ?is ,act & t ends on ! date t

 is #b ye>s aft] ! end ( ! cov]$ p]iod4 
7b7 ,det]m9ation ( eligibility  7#a7    
,developm5t ( application ,n lat] ?an   
#de days aft] ! date ( enactm5t ( ?is   
,act1 ! ,secret>ies conc]n$ %all jo9tly1
 9 consultation ) ! ,secret>y ( ,heal? &
 ,human ,s]vices & ! ,int]gov]nm5tal    
,work+ ,gr\p 79 accordance ) section    
#f71 develop "o application = borr[]s ( 
bo? eligible ,f$]al /ud5t loans &       
eligible private /ud5t loans to apply = 
loan =giv5ess "u ?is ,act4  7#b7        
,application requirem5ts ,! application 
requir$ "u p>agraph 7#a7 may only       
include su* in=mation z is necess>y = ! 
,secret>ies conc]n$ to-- 7,a7 make a    
det]m9ation ( :e!r ! applicant-- 7i7 is 
a frontl9e heal? c>e work]2 &  7ii7 is a
 borr[] ( an eligible ,f$]al /ud5t loan1
 an eligible private /ud5t loan1 or bo?2
 &  7,b7 det]m9e ! qualifi$ loan am\nt (
 ! applicant1 if ! application is       
approv$1 includ+ ! am\nt describ$ 9     
section #b7;b77#b77;,b74  7#c7          
,det]m9ation ,n lat] ?an #cj days aft] !

 date on :i* ! ,secret>ies conc]n$      
receive an application f an individual 9
 accordance ) ?is ,act1 ! ,secret>ies   
conc]n$ %all-- 7,a7 confirm t su*       
individual is a frontl9e heal? c>e work]
 :o is a borr[] ( an eligible ,f$]al    
/ud5t loan1 an eligible private /ud5t   
loan1 or bo?1 !n notify ! individual (  
su* confirmation1 & grant ! individual  
loan =giv5ess 9 accordance ) section #b2
 or  7,b7 det]m9e t su* individual is n 
a frontl9e heal? c>e work] :o is a      
borr[] ( an eligible ,f$]al /ud5t loan1 
an eligible private /ud5t loan1 or bo?1 
!n d5y su* application1 & provide a     
notification to ! individual t          
includes-- 7i7 t ! application 0 d5i$2  
7ii7 ! reason = su* d5ial2 &  7iii7 if !
 application 0 d5i$ because !           
,secret>ies conc]n$ det]m9$ t !         
applicant 0 n a frontl9e heal? c>e      
work]1 an explanation t ! individual may
 appeal ! d5ial to ! ,int]gov]nm5tal    
,work+ ,gr\p )9 #cj days ( ! date ( su* 
d5ial1 & in=mation on h[ ! applicant may

 submit su* an appeal4  7#d7 ,treatm5t  
aft] successful appeal ,9 ! case t an   
individual appeals ! d5ial ( an         
application to ! ,int]gov]nm5tal ,work+ 
,gr\p 9 accordance ) section #f1 & !    
individual is det]m9$ by !              
,int]gov]nm5tal ,work+ ,gr\p to be a    
frontl9e heal? c>e work]1 ! ,secret>ies 
conc]n$ %all grant ! individual loan    
=giv5ess 9 accordance ) section #b n    
lat] ?an #cj days aft] ! ,secret>ies    
conc]n$ are notifi$ ( ! outcome ( !     
appeal by ! ,int]gov]nm5tal ,work+      
,gr\p4  #f4 ,int]gov]nm5tal ,work+ ,gr\p
  7a7 ,e/abli%m5t ,n lat] ?an #cj days  
aft] ! date ( ! enactm5t ( ?is ,act1 !  
,secret>ies conc]n$ & ! ,secret>y (     
,heal? & ,human ,s]vices %all jo9tly    
e/abli% an ,int]gov]nm5tal ,work+ ,gr\p 
to assi/1 9 accordance ) ?is section1 ) 
! adm9i/ration ( ! program requir$ "u   
?is ,act4  7b7 ,memb]%ip ,!             
,int]gov]nm5tal ,work+ ,gr\p %all h #i  
memb]s1 ( :om-- 7#a7 five memb]s %all be
 select$ by ! ,secret>y ( ,heal? &      

,human ,s]vices f employees ( !         
,dep>tm5t ( ,heal? & ,human ,s]vices :o 
are kn[l$geable conc]n+ ! education1    
tra9+1 employm5t1 & m$ical practices (  
heal? c>e pr(essionals & ! heal? c>e    
work=ce2  7#b7 two memb]s %all be       
select$ by ! ,secret>y ( ,education f   
employees ( ! ,dep>tm5t ( ,education :o 
are kn[l$geable conc]n+ eligible ,f$]al 
/ud5t loans & ! adm9i/ration ( su*      
loans2 &  7#c7 two memb]s %all be       
select$ by ! ,secret>y ( ! ,treasury f  
employees ( ! ,dep>tm5t ( ! ,treasury :o
 are kn[l$geable conc]n+ eligible       
private /ud5t loans1 ! adm9i/ration (   
su* loans1 & private educational l5d]s4 
7c7 ,duties ,! ,int]gov]nm5tal ,work+   
,gr\p e/abli%$ "u ?is section %all--    
7#a7 develop a proc$ure or li/ (        
requirem5ts1 includ+ a li/ ( ! in=mation
 an individual ne$s to provide = !      
,secret>ies conc]n$1 to det]m9e :e!r an 
individual has made significant         
contributions to ! m$ical response to ! 
qualify+ em]g5cy = purposes ( det]m9+   

:e!r ! individual is a frontl9e heal?   
c>e work] z def9$ 9 section #i7f77;,b72 
7#b7 n lat] ?an #aj days aft] ! date on 
:i* ! ,c\ncil is e/abli%$1 report !     
in=mation describ$ 9 p>agraph 7#a7 to ! 
,secret>ies conc]n$ = inclusion 9 !     
application develop$ 9 accordance )     
section #e7;b77#a72  7#c7 n lat] ?an #fj
 days aft] ! date on :i* ! ,c\ncil is   
e/abli%$1 develop a process by :i*--    
7,a7 an applicant :o is d5i$ loan       
=giv5ess "u ?is ,act by ! ,secret>ies   
conc]n$ because ( a det]m9ation t !     
applicant is n a frontl9e heal? c>e     
work] may1 )9 #cj days ( ! date ( su*   
d5ial1 submit an appeal ( su* d5ial to !
 ,int]gov]nm5tal ,work+ ,gr\p2 &  7,b7 !
 ,int]gov]nm5tal ,work+ ,gr\p w review !
 appeal & make a det]m9ation ) respect  
to :e!r ! applicant is a frontl9e heal? 
c>e work]2 &  7#d7 ^u ! reque/ = an     
appeal by an applicant describ$ 9       
p>agraph 7#c71 us+ ! appeals process    
develop$ "u su* p>agraph1 det]m9e )9 #cj
 days aft] submission ( ! appeal by !   

applicant1 :e!r ! applicant is a        
frontl9e heal? c>e work]1 & notify !    
,secret>ies conc]n$ & ! applicant ( !   
outcome ( su* appeal )9 #ae days ( su*  
det]m9ation4  #g4 ,regulations2 ,waiv]s 
7a7 ,regulations ,! ,secret>ies conc]n$ 
are au?oriz$ to issue su* regulations z 
may be necess>y to c>ry out ?is ,act4   
7b7 ,waiv]s ,9 c>ry+ out ?is ,act1 !    
,secret>ies conc]n$ may waive !         
application (-- 7#a7 sub*apt] ,i ( *apt]
 #ce ( title #dd1 ,unit$ ,/ates ,code   
7commonly kn[n z ! ,pap]work ,r$uction  
,act72  7#b7 ! ma/] cal5d> requirem5ts  
"u section #dhb ( ! ,high] ,education   
,act ( #aife 7#bj ,u4,s4,c4 #ajhi72     
7#c7 negotiat$ rulemak+ "u section #dib 
( ! ,high] ,education ,act ( #aife 7#bj 
,u4,s4,c4 #ajih;a72 &  7#d7 ! requirem5t
 to publi% ! notices relat$ to ! sy/em (
 records ( ! ag5cy be=e implem5tation   
requir$ "u p>agraphs 7#d7 & 7#aa7 (     
section #eeb;a7e7 ( title #e1 ,unit$    
,/ates ,code 7commonly kn[n z ! ,privacy
 ,act ( #aigd71 except t ! notices %all 

be publi%$ n lat] ?an #ahj days aft] !  
date ( enactm5t ( ?is ,act4  #h4        
,t]m9ation ( au?ority ,! au?ority ( !   
,secret>ies conc]n$ to c>ry out ! loan  
=giv5ess program "u section #b1 & !     
au?ority ( ! ,int]gov]nm5tal ,work+     
,gr\p to c>ry out ! activities au?oriz$ 
"u section #f1 %all cease on ! date t is
 #ahj days aft] ! end date ( !          
application p]iod describ$ 9 section    
#e7;a74  #i4 ,def9itions ,9 ?is ,act3   
7#a7 ,coronavirus ,! t]m coronavirus has
 ! mean+ giv5 ! t]m 9 section #ejf ( !  
,coronavirus ,prep>$ness & ,response    
,supplem5tal ,appropriations ,act1 #bjbj
 7,public ,law #aaf-abc74  7#b7 ,cov]$  
p]iod ,! t]m cov]$ p]iod means ! p]iod t
 beg9s on ,janu>y #ca1 #bjbj1 & ends on 
! date t is #fj days aft] ! date ( !    
expiration ( ! public heal? em]g5cy )   
respect to ,,covid-#ai decl>$ by !      
,secret>y ( ,heal? & ,human ,s]vices "u 
section #cai ( ! ,public ,heal? ,s]vice 
,act 7#db ,u4,s4,c4 #bdg;d7 on ,janu>y  
#ca1 #bjbj4  7#c7 ,,covid-relat$ heal?  

c>e s]vices ,! t]m ,,covid-relat$ heal? 
c>e s]vices means any heal? c>e s]vices 
t relate to-- 7,a7 ! diagnosis1         
prev5tion1 or treatm5t ( ! coronavirus1 
includ+ ?r\gh teleheal? s]vices2  7,b7 !
 assessm5t or c>e ( ! heal? ( a human   
be+ relat$ to an actual or suspect$ case
 ( ! coronavirus1 includ+ ?r\gh         
teleheal? s]vices2 or  7,c7 pati5t c>e 9
 a sett+ :]e !re is a reasonable        
expectation ( risk ( exposure to !      
coronavirus4  7#d7 ,eligible ,f$]al     
/ud5t loan ,! t]m eligible ,f$]al /ud5t 
loan means any loan made1 insur$1 or    
gu>ante$ "u "p ,b1 "p ,d1 or "p ,e (    
title ,,iv ( ! ,high] ,education ,act ( 
#aife be=e ! date ( enactm5t ( ?is ,act1
 includ+-- 7,a7 a consolidation loan "u 
su* title2 &  7,b7 a loan made to ! p>5t
 ( a dep5d5t /ud5t "u section #dbh;,b ( 
su* ,act 7#bj ,u4,s4,c4 #ajgh-b71 & a   
,f$]al ,direct ,,plus ,loan made to !   
p>5ts ( a dep5d5t /ud5t1 only if !      
dep5d5t /ud5t on ^: behalf su* loan 0   
made is a frontl9e heal? c>e work]4     

7#e7 ,eligible private /ud5t loan ,! t]m
 eligible private /ud5t loan means a    
private education loan1 z def9$ 9       
section #adj7;a7 ( ! ,tru? 9 ,l5d+ ,act 
7#ae ,u4,s4,c4 #afej7;a771 t 0 expressly
 = ! co/ ( att5dance 7z def9$ 9 section 
#dgb7 at an in/itution ( high] education
 p>ticipat+ 9 a loan program "u "p ,b1  
"p ,d1 or "p ,e ( title ,,iv ( ! ,high] 
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajgj et seq471 z ( ! date t ! loan 0   
disburs$1 & t 0 made be=e ! date (      
enactm5t ( ?is ,act4  7#f7 ,frontl9e    
heal? c>e work] ,! t]m frontl9e heal?   
c>e work] means an individual :o1 dur+ !
 qualify+ em]g5cy1 = a p]iod ( n less   
?an #c mon?s ( full-"t s]vice 7or !     
"p-"t equival5t71 9 ex*ange = paym5t or 
z a volunte]-- 7,a7 is-- 7i7 a doctor1  
m$ical resid5t1 m$ical int]n1 m$ical    
fell[1 nurse1 home heal? c>e work]1     
m5tal heal? pr(essional1 or o!r heal?   
c>e pr(essional :o is lic5s$1 regi/]$1  
or c]tifi$ "u ,f$]al or ,/ate law to    
provide heal? c>e s]vices & :o provides 

,,covid-relat$ heal? c>e s]vices2  7ii7 
a /ud5t enroll$ at an in/itution ( high]
 education 9 a m$ical1 nurs+1 or o!r    
relevant heal? c>e program ( /udy :o    
provides ,,covid-relat$ heal? c>e       
s]vices2  7iii7 a laboratory work] :o   
conducts1 evaluates1 or analyzes        
coronavirus te/+2  7iv7 a m$ical rese>*]
 :o conducts rese>* relat$ to !         
prev5tion1 treatm5t1 or cure ( !        
coronavirus2 or  7v7 an em]g5cy m$ical  
s]vices work] :o responds to heal?      
em]g5cies or transports pati5ts to      
hospitals or o!r m$ical facilities2 or  
7,b7 does n meet ! requirem5ts ( any ( !
 clauses "u subp>agraph 7,a71 b is a    
heal? c>e pr(essional :o is lic5s$1     
regi/]$1 or c]tifi$ "u ,f$]al or ,/ate  
law to provide heal? c>e & has made     
significant contributions to ! m$ical   
response to ! qualify+ em]g5cy4  7#g7   
,in/itution ( high] education ,! t]m    
in/itution ( high] education has ! mean+
 giv5 su* t]m 9 section #ajb ( ! ,high] 
,education ,act ( #aife 7#bj ,u4,s4,c4  

#ajjb74  7#h7 ,private educational l5d] 
,! t]m private educational l5d] has !   
mean+ giv5 ! t]m 9 section #adj7;a7 ( ! 
,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4       
#afej7;a774  7#i7 ,qualify+ em]g5cy ,!  
t]m qualify+ em]g5cy means-- 7,a7 !     
public heal? em]g5cy ) respect to       
,,covid-#ai decl>$ by ! ,secret>y (     
,heal? & ,human ,s]vices "u section #cai
 ( ! ,public ,heal? ,s]vice ,act 7#db   
,u4,s4,c4 #bdg;d7 on ,janu>y #ca1 #bjbj2
  7,b7 an ev5t relat$ to ! coronavirus =
 :i*-- 7i7 ! ,presid5t decl>$ a major   
disa/] or an em]g5cy "u section #dja or 
#eja1 respectively1 ( ! ,rob]t ,t4      
,/af=d ,disa/] ,relief & ,em]g5cy       
,assi/ance ,act 7#db ,u4,s4,c4 #eagj &  
#eaia72 or  7ii7 ! gov]nor ( a ,/ate or 
t]ritory ( ! ,unit$ ,/ates decl>$ an    
em]g5cy2 or  7,c7 a national em]g5cy    
relat$ to ! coronavirus decl>$ by !     
,presid5t "u section #bja ( ! ,national 
,em]g5cies ,act 7#ej ,u4,s4,c4 #afja et 
seq474  7#aj7 ,secret>ies conc]n$ ,! t]m
 ,secret>ies conc]n$ means-- 7,a7 !     

,secret>y ( ,education1 ) respect to    
eligible ,f$]al /ud5t loans & borr[]s ( 
su* loans2 &  7,b7 ! ,secret>y ( !      
,treasury1 ) respect to eligible private
 /ud5t loans & borr[]s ( su* loans4