,i  #aaf? ,,congress  #b;d ,session  ,h4
 ,r4 #hhce  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,decemb] #b1 #bjbj,ms4
 ,f9k5au] 7= h]self & ,mr4 ,delgado7    
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,education & ,labor1 & 
9 addition to ! ,committee on ,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 am5d ! ,high] ,education   
,act ( #aife to provide = a relocation &
 ret5tion /ud5t loan repaym5t program1 &
 = o!r purposes4  #a4 ,%ort title ,?is  
,act may be cit$ z ! ,rural             
,revitalization ,n[ ,act4  #b4          
,relocation & ret5tion /ud5t loan       
program ,section #dee ( ! ,high]        
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajhg;e7 is am5d$ by add+ at ! end !    
foll[+3  7r7 ,relocation & ,ret5tion    
,/ud5t ,loan ,repaym5t ,program  7#a7 ,9
 g5]al  7,a7 ,enroll$ loan am\nt ,a     
borr[] may elect to enroll any          

comb9ation ( pr9cipal & accru$ int]e/ t 
has n be5 capitaliz$ on eligible loans n
 9 default z an enroll$ loan balance "u 
! program "u ?is subsection 9 an am\nt t
 is equal to-- 7i7 an am\nt agre$ to by 
! borr[]1 ,secret>y1 & sponsor+ entity  
7or a comb9ation ( su* sponsor+         
entities72 &  7ii7 except z provid$ 9   
p>agraph 7#c77;,b77ii71 ! less] ( !     
foll[+3 7,i7 #ej1jjj4  7,,ii7 ,! total  
am\nt ( eligible loans ( su* borr[]4    
7,b7 ,cancellation or repaym5t requir$  
,! ,secret>y %all cancel or repay an    
am\nt det]m9$ "u p>agraph 7#b77;,a7 ( ! 
balance due on any enroll$ loan balance 
n 9 default = a borr[] :o-- 7i7 has     
ma9ta9$ resid5ce 9 a qualify+ area dur+ 
a #ab-mon? p]iod & su* borr[] atte/s t  
su* resid5ce is a prim>y resid5ce2 &    
7ii7 demon/rates to ! ,secret>y 9 !     
agreem5t "u p>agraph 7#b77;,a7 t a      
sponsor+ entity c]tifi$ 9 accordance )  
p>agraph 7#c77;,a7 7or a comb9ation (   
su* sponsor+ entities7 w1 except z      
provid$ 9 p>agraph 7#c77;,b77ii71 mat* !

 am\nts cancell$ or repaid by !         
,secret>y z paym5ts made by su* sponsor+
 entity 7or a comb9ation ( su* sponsor+ 
entities7 t[>ds ! repaym5t ( ! enroll$  
loan balance4  7,c7 ,c]tification ,!    
,secret>y %all e/abli% a us]-fri5dly1   
simplifi$1 & electronic process us+ !   
onl9e portal requir$ "u p>agraph        
7#e77;,b7 ?r\gh :i* a borr[] :o makes an
 election to enroll eligible loans into 
an enroll$ loan balance "u subp>agraph  
7,a7 %all annually c]tify enrollm5t 9 ! 
program "u ?is subsection4  7,d7 ,no    
paym5ts requir$ by borr[] ,a borr[] may 
n be requir$ to make paym5ts ) respect  
to ! enroll$ loan balance 7or paym5ts on
 ! int]e/ t accrues on ! total am\nt (  
su* enroll$ loan balance7 dur+ any      
#ab-mon? p]iod 9 :i* ! borr[] is enroll$
 9 ! program "u ?is subsection4  7#b7   
,s*$ule  7,a7 ,agreem5t ,subject to     
subp>agraph 7,b71 ! ,secret>y %all ent] 
into an agreem5t ) a borr[] & sponsor+  
entity 7or a comb9ation ( su* sponsor+  
entities7 to cancel or repay an am\nt ) 

respect to ea* #ab-mon? p]iod describ$  
"u p>agraph 7#a77;,b77i7 su* t ov] !    
p]iod ( #if mon?s ! total am\nt (       
cancellation "u p>agraph 7#a7 is equal  
to an am\nt t1 except z provid$ 9       
p>agraph 7#c77;,b77ii71 is equal to !   
less] ( ! foll[+3 7i7 #be1jjj t[>d !    
enroll$ loan balance1 plus ! int]e/ t   
accrues on ! total am\nt ( ! enroll$    
loan balance "u p>agraph 7#a77;,a74     
7ii7 ,half ( ! total am\nt ( ! enroll$  
loan balance1 plus ! int]e/ t accrues on
 ! total am\nt ( ! enroll$ loan balance 
"u p>agraph 7#a77;,a74  7,b7 ,increas$  
cancellation am\nts ov] "t ,! ,secret>y 
%all e/abli% a /&>diz$ cancellation or  
repaym5t s*$ule = purposes ( ! program  
"u ?is subsection su* t ov] ! c\rse ( #h
 cancellations or repaym5ts ( ! enroll$ 
loan balance "u p>agraph 7#a71 ! total  
am\nt cancell$ or repaid ) respect to   
ea* #ab-mon? p]iod increases4  7,c7     
,numb] ( cancellations ,a borr[]-- 7i7  
may receive dur+ a #ab-mon? p]iod = :i* 
! borr[] is c]tifi$ n m ?an "o          

cancellation or repaym5t "u p>agraph    
7#a72 &  7ii7 may n receive m ?an #h su*
 cancellations or repaym5ts4  7,d7      
,prohibition on pressur+ borr[]s  7i7 ,9
 g5]al ,a private education loan debt   
collector or cr$itor may n pressure a   
borr[] ( a private loan to elect to     
apply any am\nt receiv$ pursuant to     
p>agraph 7#a7 to any private education  
loan4  7ii7 ,violations ,a violation (  
?is subp>agraph is deem$-- 7,i7 an      
unfair1 deceptive1 or abusive act or    
practice "u ,f$]al law 9 connection )   
any transaction ) a consum] = a consum] 
f9ancial product or s]vice "u section   
#ajca ( ! ,consum] ,f9ancial ,protection
 ,act ( #bjaj 7#ab ,u4,s4,c4 #eeca72 &  
7,,ii7 ) respect to a violation by a    
debt collector1 an unfair or            
unconscionable means to collect or      
attempt to collect any debt "u section  
#hjh ( ! ,f$]al ,debt ,collection       
,practices ,act 7#ae ,u4,s4,c4 #afib;f74
  7iii7 ,pressure def9$ ,9 ?is          
subp>agraph1 ! t]m pressure means any   

communication1 recomm5dation1 or o!r    
simil> communication1 o!r ?an provid+   
basic in=mation ab\t a borr[]'s options1
 urg+ a borr[] to make an election      
describ$ 9 clause 7i74  7,e7 ,un5rollm5t
 ,a borr[] :o no long] resides 9 a      
qualify+ area aft] receiv+ a            
cancellation or repaym5t "u ?is         
subsection %all be un5roll$ f ! program 
"u ?is subsection & ! rema9+ enroll$    
loan balance ( su* borr[] %all be       
includ$ 9 ! eligible loans f :i* su*    
enroll$ loan balance d]iv$4 ,su*        
un5rollm5t %all n preclude a borr[] f   
enroll+ ! eligible loans ( ! borr[] into
 an appropriate loan =giv5ess or        
repaym5t program1 includ+ su* a program 
9 :i* ! borr[] is1 at ! "t ( su*        
un5rollm5t1 already enroll$ or          
p>ticipat+ 94  7,f7 ,regulations ,!     
,secret>y %all issue su* regulations z  
are necess>y to all[ borr[]s to         
concurr5tly enroll 9 ! program "u ?is   
subsection ) respect to an enroll$ loan 
balance & a loan =giv5ess or repaym5t   

program ) respect to ! o!r eligible     
loans ( ! borr[] n s enroll$4 ,9 ! case 
( a borr[] describ$ 9 subp>agraph 7,e71 
! ,secret>y %all e/abli% ?r\gh          
regulation a process by :i* ! rema9+    
enroll$ loan balance ( su* borr[] is    
includ$ 9 to ! eligible loans f :i* su* 
enroll$ loan balance d]iv$ & may be     
enroll$ 9 an appropriate loan =giv5ess  
or repaym5t program if ! borr[] w\ld    
o!rwise be eligible = su* program4  7#c7
 ,sponsor+ entities  7,a7 ,9 g5]al ,!   
,secret>y1 9 consultation ) ! ,secret>y 
( ,comm]ce & ! ,secret>y ( ,labor1 %all 
c>ry out a program to c]tify ,/ates1    
c\nties1 localities1 t]ritories1        
,tribes1 nonpr(it entities1 & qualify+  
p>tn]%ips t are able to provide fund+ to
 borr[]s = purposes ( ?is subsection4   
,su* program %all include /&>d          
requirem5ts relat+ to ! treatm5t (      
default by a sponsor+ entity & ! ability
 ( a sponsor+ entity to be c]tifi$ or   
rec]tifi$ aft] su* a default4  7,b7     
,mat*+ funds  7i7 ,9 g5]al ,except z    

provid$ 9 clause 7ii71 a sponsor+ entity
 7or a comb9ation ( su* sponsor+        
entities7 %all mat* 7except ) respect to
 ! int]e/ t accrues on ! total am\nt ( !
 enroll$ loan balance "u p>agraph       
7#a77;,a77 ! am\nts cancell$ or repaid  
by ! ,secret>y "u p>agraph 7#a7 z       
paym5ts made by su* sponsor+ entity     
t[>ds ! repaym5t ( ! enroll$ loan       
balance4  7ii7 ,exceptions  7,i7        
,extreme f9ancial h>d%ip ,9 ! case ( a  
sponsor+ entity 7or a comb9ation ( su*  
sponsor+ entities7 ) an extreme f9ancial
 h>d%ip t demon/rates su* h>d%ip to !   
,secret>y1 ?r\gh a process det]m9$ by ! 
,secret>y1 ! sponsor+ entity & !        
,secret>y may agree to mat* am\nts su* t
 ! total am\nt repaid or cancell$ "u ?is
 subsection is less ?an ! am\nt describ$
 9 p>agraph 7#a77;,a71 s long z ! total 
am\nt repaid ) respect to ea* #ab-mon?  
p]iod increases4  7,,ii7 ,additional    
paym5ts ,a sponsor+ entity 7or a        
comb9ation ( su* sponsor+ entities7 may 
provide m ?an ! mat* requir$ "u clause  

7i7 if ! ,secret>y det]m9es t1 ov] !    
c\rse ( provid+ m ?an ! mat*+ am\nt ( ! 
repaym5ts or cancellations "u p>agraph  
7#a71 ! total am\nt repaid by su*       
sponsor+ entity ) respect to ea*        
#ab-mon? p]iod increases4  7iii7 ,int]e/
 ,! ,secret>y %all cancel or repay !    
int]e/ t accrues on ! total am\nt ( !   
enroll$ loan balance "u p>agraph        
7#a77;,a71 reg>dless ( :e!r an exception
 "u clause 7ii7 applies ) respect to su*
 an enroll$ loan balance4  7,c7 ,default
 ,9 ! case ( a borr[] = :i* a sponsor+  
entity 7or a comb9ation ( su* sponsor+  
entities7 (f]s to provide loan          
cancellation or repaym5t "u ?is         
subsection & subsequ5tly defaults on su*
 (f]1 su* borr[] may n be held          
responsible = repaym5t ( ! am\nt su*    
sponsor+ entity 7or a comb9ation ( su*  
sponsor+ entities7 (f]$ to provide su*  
borr[]4  7,d7 ,rules ( con/ruction ,no?+
 9 ?is subsection %all preclude-- 7i7 ! 
,secret>y f e/abli%+ a process to       
f9ancially assi/ a sponsor+ entity 7or a

 comb9ation ( su* sponsor+ entities7 t  
defaults on loan cancellation or        
repaym5t 7z describ$ 9 subp>agraph 7,c77
 s long z su* process does n hold a     
borr[] responsible = any repaym5ts )    
respect to su* a default2 or  7ii7 a    
sponsor+ entity 7or a comb9ation ( su*  
sponsor+ entities7 f e/abli%+ reciprocal
 agreem5ts1 "pn]+1 collaborat+1 or      
o!rwise coord9at+ ) o!r sponsor+        
entities to provide mat*+ funds z       
requir$ "u subp>agraph 7,b77i7 & avoid  
default4  7,e7 ,guidance ,! ,secret>y   
%all issue guidance to assi/ sponsor+   
entities 7or a comb9ation ( su* sponsor+
 entities7 ) e/abli%+ pref]5ce &        
develop+ crit]ia to select borr[]s =    
sponsor%ip "u ?is subsection & to select
 borr[]s to receive additional paym5ts  
"u subp>agraph 7,b77ii77,,ii74  7#d7    
,tax treatm5t ( cancell$ or repaid      
am\nts ,= purpose ( ! ,int]nal ,rev5ue  
,code ( #aihf1 no am\nt %all be includ$ 
9 any p]son's gross income by reason ( !
 dis*>ge "u ?is subsection ( any        

indebt$ness4  7#e7 ,dep>tm5t activities 
7,a7 ,in=mation = borr[]s ,! ,secret>y  
%all e/abli% on ! public website ( !    
,dep>tm5t ( ,education1 & p]iodically   
update-- 7i7 a li/ ( qualify+ areas2    
7ii7 a li/ ( sponsor+ entities c]tifi$  
"u p>agraph 7#c77;,a7 available )       
respect to su* qualify+ areas2 &  7iii7 
contact in=mation = su* sponsor+        
entities4  7,b7 ,onl9e portal ,!        
,secret>y %all e/abli% an onl9e portal  
?r\gh ! public website ( ! ,dep>tm5t (  
,education = borr[]s to-- 7i7 c]tify    
enrollm5t 9 ! program "u ?is section2   
7ii7 *eck ! /atus ( an enrollm5t        
c]tification "u ?is section & ! deadl9es
 ) respect to su* c]tifications2  7iii7 
*eck ! enrollm5t /atus ( su* borr[] )   
respect to ! program "u ?is section2 &  
7iv7 view ! am\nt ( assi/ance ! borr[]  
has receiv$ or w receive ) respect to ! 
enroll$ loan balance ( ! borr[] & !     
dates on :i* su* am\nts 7 receiv$ or w  
be receiv$4  7,c7 ,outrea* ,! ,secret>y 
%all develop & implem5t an outrea* plan 

to notify-- 7i7 pot5tial sponsor+       
entities ( ! c]tification process "u    
p>agraph 7#c77;,a72  7ii7 sponsor+      
entities ( rec]tification requirem5ts "u
 ?is subsection2 &  7iii7 borr[]s       
7includ+ prospective borr[]s7 ( eligible
 loans ( ! program "u ?is subsection1   
includ+ ! b5efits ( su* program & h[ to 
meet ! requirem5ts to p>ticipate 9 su*  
program4  7#f7 ,def9itions ,9 ?is       
subsection3 7,a7 ,eligible loan ,! t]m  
eligible loan means a ,f$]al ,direct    
,/af=d ,loan1 ,f$]al ,direct ,,plus     
,loan1 or ,f$]al ,direct ,unsubsidiz$   
,/af=d ,loan1 a ,f$]al ,direct          
,consolidation ,loan1 ,f$]al ,family    
,education ,loan1 ,f$]al ,p]k9s ,loan1  
or a private education loan4  7,b7      
,private education loan ,! t]m private  
education loan has ! mean+ giv5 ! t]m 9 
section #adj ( ! ,tru? 9 ,l5d+ ,act 7#ae
 ,u4,s4,c4 #afej74  7,c7 ,qualify+ area 
,! t]m qualify+ area means-- 7i7 any    
city or t[n :i* has a population ( less 
?an #bj1jjj inhabitants o!r ?an a city  

or t[n 9 a d5sely settl$ area or adjac5t
 to1 or closely associat$ )1 "o or m    
cities or t[ns :i*1 consid]$            
collectively1 d n meet ! crit]ia ( ?is  
subp>agraph2  7ii7 any city or t[n :i*  
has a population ( great] ?an or equal  
to #bj1jjj inhabitants & less ?an       
#ajj1jjj inhabitants t ) respect to :i*1
 dur+ ! mo/ rec5t #aj-ye> p]iod1 ! net  
population loss f ! area equals or      
exce$s #j p]c5t ( ! population ( ! area 
o!r ?an a city or t[n 9 a d5sely settl$ 
area or adjac5t to1 or closely associat$
 )1 "o or m cities or t[ns :i*1 consid]$
 collectively1 d n meet ! crit]ia ( ?is 
subp>agraph2  7iii7 any city or t[n :i* 
has a population ( great] ?an or equal  
to #ajj1jjj inhabitants & less ?an      
#aej1jjj inhabitants t-- 7,i7 ) respect 
to :i*1 dur+ ! mo/ rec5t #aj-ye> p]iod1 
! net population loss f ! area equals or
 exce$s #j p]c5t ( ! population ( !     
area2  7,,ii7 ! ,secret>y ( ,education1 
9 consultation ) ! ,secret>y ( ,comm]ce1
 det]m9es w\ld economically b5efit f    

s]v+ z a qualify+ geographic area2 &    
7,,iii7 is n 9 a d5sely settl$ area or  
adjac5t to1 or closely associat$ )1 "o  
or m cities or t[ns :i*1 consid]$       
collectively1 d n meet ! crit]ia ( ?is  
subp>agraph2 or  7iv7 any city or t[n n 
describ$ 9 clauses 7i7 ?r\gh 7iii7 :i*  
has a population ( less ?an #cjj1jjj    
inhabitants-- 7,i7 t is includ$ 9 a     
major disa/] decl>$ by ! ,presid5t "u   
section #dja ( ! ,rob]t ,t4 ,/af=d      
,disa/] ,relief & ,em]g5cy ,assi/ance   
,act 7#db ,u4,s4,c4 #eagj7 7n includ+ ! 
major disa/] decl>$ by reason ( ! novel 
coronavirus 7,,covid-#ai77 dur+ !       
five-ye> p]iod prec$+ ! date on :i* a   
borr[] is enroll$ 9 ! program "u ?is    
subsection2  7,,ii7 t-- 7aa7 ! ,secret>y
 ( ,education1 9 consultation ) !       
,secret>y ( ,comm]ce1 det]m9es w\ld     
economically b5efit f s]v+ z a qualify+ 
geographic area2 or  7bb7 ! ,secret>y ( 
,education1 9 consultation ) ! ,secret>y
 ( ,comm]ce & ! ,secret>y ( ,h\s+ &     
,urban ,developm5t1 det]m9es w\ld       

support community recov]y by s]v+ z a   
qualify+ geographic area2 &  7,,iii7 is 
n adjac5t to1 or closely associat$ )1 "o
 or m cities or t[ns :i*1 consid]$      
collectively1 d n meet ! crit]ia ( ?is  
subp>agraph4  7,d7 ,fair ,debt          
,collection ,practices ,act t]ms ,! t]ms
 cr$itor & debt collector h ! mean+ giv5
 ^? t]ms1 respectively1 "u section #hjc 
( ! ,fair ,debt ,collection ,practices  
,act 7#ae ,u4,s4,c4 #afib;a74  4