,,ii  #aaf? ,,congress  #a/ ,session    
,s4 #abjc  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,april #aa1 #bjai,mrs4 
,gillibr& 7= h]self1 ,mr4 ,ka9e1 ,ms4   
,w>r51 ,mr4 ,blum5?al1 ,ms4 ,klobu*>1   
,mr4 ,durb91 ,ms4 ,h>ris1 ,mr4 ,van     
,holl51 ,mr4 ,book]1 ,mrs4 ,%ahe51 ,mr4 
,m]kley1 ,ms4 ,hassan1 ,ms4 ,duckwor?1  
,mr4 ,s&]s1 ,ms4 ,baldw91 ,mr4 ,b5net1  
,mr4 ,casey1 & ,ms4 ,ros57 introduc$ !  
foll[+ bill2 :i* 0 read twice & ref]r$  
to ! ,committee on ,heal?1 ,education1  
,labor1 & ,p5sions  ,a ,,bill  ,to am5d 
! ,high] ,education ,act ( #aife 9 ord] 
to improve ! public s]vice loan =giv5ess
 program1 & = o!r purposes4  #a4 ,%ort  
title ,?is ,act may be cit$ z ! ,:at ,y 
,c ,d ,= ,y\r ,c\ntry ,act4  #b4        
,am5dm5ts to ! public s]vice loan       
=giv5ess program  7a7 ,public s]vice    
loan =giv5ess  7#a7 ,9 g5]al ,section   
#dee7m7 ( ! ,high] ,education ,act (    
#aife 7#bj ,u4,s4,c4 #ajhg;e7m77 is     
am5d$ to read z foll[s3  7m7 ,loan      
=giv5ess = ,f$]al /ud5t loan borr[]s    

employ$ 9 public s]vice  7#a7           
,def9itions ,9 ?is subsection3 7,a7     
,c]tification ( employm5t ,! t]m        
c]tification ( employm5t means a        
c]tification ( employm5t "u p>agraph    
7#d74  7,b7 ,full-"t ,! t]m full-"t1 :5 
us$ ) respect to employm5t1 means       
employm5t-- 7i7 ) a qualify+ employ] = n
 less ?an #cj h\rs p] week2 or  7ii7 )  
#b or m qualify+ employ]s = a total ( n 
less ?an #cj h\rs p] week4  7,c7        
,qualify+ employ] ,! t]m qualify+       
employ] means-- 7i7 a ,f$]al1 ,/ate1    
local1 or ,tribal gov]nm5t organization 
or in/rum5tality1 includ+ any           
organization e/abli%$ 9 law z a body    
politic2  7ii7 an organization t is     
describ$ 9 section #eja7;c77#c7 ( !     
,int]nal ,rev5ue ,code ( #aihf1 & exempt
 f taxation "u section #eja7;a7 ( su*   
,code2 or  7iii7 an organization-- 7,i7 
n describ$ 9 clause 7ii7 t is a         
n-=-pr(it organization "u o!r ,f$]al or 
,/ate law2  7,,ii7 t is n a labor       
organization or p>tisan political       

organization2 &  7,,iii7 ^: purpose is  
to directly provide any ( ! foll[+      
s]vices1 z def9$ 9 regulations          
promulgat$ ! ,secret>y3 7aa7 ,em]g5cy   
managem5t & disa/] response4  7bb7      
,milit>y s]vice4  7cc7 ,public safety   
s]vices1 includ+ fire prev5tion &       
suppression1 rescue s]vices1 haz>d\s    
mat]ials response1 ambulance s]vices1 & 
em]g5cy m$ical s]vices4  7dd7 ,law      
en=cem5t4  7ee7 ,public heal?1 includ+  
s]vice ?r\gh organizations t employ     
nurses1 nurse practition]s1 nurses 9 a  
cl9ical sett+1 or pr(essionals engag$ 9 
heal? c>e practition] occupations &     
heal? c>e support occupations1 z su*    
t]ms are def9$ by ! ,bureau ( ,labor    
,/ati/ics4  7ff7 ,public education1     
includ+ ! provision ( educational       
enri*m5t or support directly to /ud5ts  
or _! families1 employm5t ) a ,tribal   
,college or ,univ]sity 7z def9$ 9       
section #caf7;b771 & employm5t z an     
adjunct faculty memb] or in/ructor = an 
educational in/itution4  7gg7 ,public   

int]e/ law s]vices1 includ+ prosecution 
or public def5se or legal advocacy on   
behalf ( l[-income communities at a     
n-=-pr(it organization4  7hh7 ,e>ly     
*ildhood education1 includ+ lic5s$ or   
regulat$ *ildc>e1 ,head ,/>t programs1 &
 ,/ate fund$ prek9d]g>t54  7ii7 ,public 
s]vice = individuals ) disabilities4    
7jj7 ,public s]vice = ! eld]ly4  7kk7   
,public & s*ool-bas$ libr>y sci5ces4    
7ll7 ,s*ool-bas$ s]vices1 includ+ !     
provision ( non$ucational enri*m5t or   
support directly to /ud5ts or _!        
families4  7mm7 ,social "w1 includ+ *ild
 or family s]vices4  7,d7 ,qualify+     
mon?ly paym5t obligation ,! t]m qualify+
 mon?ly paym5t obligation means a mon?ly
 paym5t obligation due on a loan "u !   
repaym5t plan ( ! borr[]-- 7i7 t 0      
satisfi$ by ! borr[] ?r\gh a paym5t made
 aft] ,octob] #a1 #bjjg2 &  7ii7        
attributable to a p]iod dur+ :i* !      
borr[] 0 employ$ full-"t by a qualify+  
employ]4  7#b7 ,9 g5]al ,beg9n+ on ,july
 #a1 #bjai1 ! ,secret>y %all =give !    

applicable p]c5tage describ$ 9 p>agraph 
7#c7 ( ! balance ( pr9cipal & int]e/ due
 on a loan made "u ?is "p = a borr[] :o 
has satisfi$ #fj or #abj qualify+ mon?ly
 paym5t obligations on a loan made "u   
?is "p & submitt$ any c]tification (    
employm5t requir$ "u ?is subsection4    
7#c7 ,loan =giv5ess aft] #fj paym5t     
obligations & #abj paym5t obligations ,!
 applicable p]c5tages "u ?is p>agraph   
%all be-- 7,a7 9 ! case ( a borr[] :o   
satisfies #fj qualify+ mon?ly paym5t    
obligations on a loan made "u ?is "p t  
is n 9 default 7z def9$ 9 section #dce71
 #ej p]c5t ( ! total am\nt ( ! balance (
 pr9cipal & int]e/ due on su* loan z ( !
 date ( ! loan =giv5ess2 &  7,b7 9 !    
case ( a borr[] :o satisfies #abj       
qualify+ mon?ly paym5t obligations on a 
loan made "u ?is "p t is n 9 default1   
#ajj p]c5t ( ! balance ( pr9cipal &     
int]e/ due on su* loan z ( ! date ( !   
loan =giv5ess4  7#d7 ,c]tification (    
employm5t requirem5ts  7,a7 ,9 g5]al ,9 
ord] to receive loan =giv5ess "u ?is    

subsection1 a borr[] ( a loan made "u   
?is "p %all submit to ! ,secret>y a     
c]tification ( employm5t4  7,b7 ,cont5t 
( c]tification ,! ,secret>y %all-- 7i7  
develop1 & make easily accessible1 !    
c]tification ( employm5t2 &  7ii7 ensure
 t ! me?od ( c]tification-- 7,i7 all[s =
 ! employ] to indicate & c]tify ! dates 
( ! borr[]'s employm5t2 &  7,,ii7       
provides electronic signature options = 
! employ] & = ! borr[]4  7,c7 ,borr[]   
access ,! ,secret>y %all ensure t a     
borr[] may submit a c]tification (      
employm5t to ! ,secret>y electronically 
?r\gh any in=mation sy/em ?r\gh :i* !   
,secret>y p]mits borr[]s to take        
self-s]vice actions ) respect to _!     
loans4  7,d7 ,exception =               
self-c]tification ,! ,secret>y %all     
provide a self-c]tification option = !  
c]tification ( employm5t = borr[]s :o h 
ext5uat+ circum/ances prev5t+ ! borr[]s 
f obta9+ ! qualify+ employ] signature & 
c]tification requir$ "u subp>agraph     
7,b77ii71 z det]m9$ by ! ,secret>y      

pursuant to rulemak+ & includ+          
situations :]e an employ] is no long] 9 
exi/5ce or refuses to coop]ate4  7,e7   
,p]iodic review ( c]tification (        
employm5t ,= ea* borr[] ( a loan made "u
 ?is "p :o has submitt$ a c]tification (
 employm5t1 ! ,secret>y %all-- 7i7 by n 
lat] ?an #cj days aft] receipt ( !      
c]tification ( employm5t-- 7,i7 review !
 c]tification ( employm5t & det]m9e !   
numb] ( qualify+ mon?ly paym5t          
obligations satisfi$ on ! loan dur+ !   
p]iod ( employm5t cov]$ by !            
c]tification ( employm5t2  7,,ii7 in=m !
 borr[] ( ! numb] ( qualify+ mon?ly     
paym5t obligations satisfi$2 &  7,,iii7 
in=m ! borr[] ( ! numb] ( rema9+        
qualify+ mon?ly paym5t obligations to be
 satisfi$ 9 ord] = ! borr[] to receive  
p>tial loan =giv5ess "u p>agraph        
7#c77;,a71 & su* numb] ne$$ to receive  
full loan =giv5ess "u p>agraph          
7#c77;,b72 &  7ii7 p]iodically1 b n less
 ?an twice annually1 notify ! borr[]1   
us+ ! mo/ rec5t calculation ( qualify+  

mon?ly paym5t obligations1 (-- 7,i7 !   
numb] ( qualify+ mon?ly paym5t          
obligations satisfi$1 z ( ! date ( !    
notice2  7,,ii7 ! numb] ( rema9+        
qualify+ mon?ly paym5t obligations to be
 satisfi$ 9 ord] = ! borr[] to receive  
p>tial loan =giv5ess "u p>agraph        
7#c77;,a71 & su* numb] ne$$ to receive  
full loan =giv5ess "u p>agraph          
7#c77;,b72  7,,iii7 any /eps ! borr[] c 
take to conv]t non-qualify+ mon?ly      
paym5t obligations into qualify+ mon?ly 
paym5t obligations1 includ+ ! options to
 provide paym5ts to satisfy mon?ly      
paym5t obligations = pa/ public s]vice  
"u p>agraph 7#e77;,c72 &  7,,iv7 !      
dispute resolution process = !          
,secret>y's det]m9ation ( qualify+      
mon?ly paym5t obligations1 z describ$ 9 
p>agraph 7#g74  7#e7 ,qualify+ mon?ly   
paym5t obligations  7,a7 ,9 g5]al ,=    
purposes ( ?is subsection1 ! numb] (    
qualify+ mon?ly paym5t obligations      
satisfi$ on a loan is ! numb] ( mon?ly  
paym5ts1 dur+ ! p]iod ( employm5t & bas$

 on ! repaym5t plan select$ by ! borr[] 
= su* p]iod1 t w\ld be satisfi$ bas$ on 
apply+ ! total am\nt ( paym5ts made by !
 borr[] on ! loan at any "t dur+ su*    
p]iod4  7,b7 ,adju/m5t ( paym5t         
obligation /atus  7i7 ,hold h>mless     
aga9/ retroactive det]m9ations ,if !    
,secret>y has classifi$ a paym5t        
obligation satisfi$ by a borr[] ( a loan
 made "u ?is "p z a qualify+ mon?ly     
paym5t obligation & lat] det]m9es t !   
paym5t obligation does n qualify1 !     
,secret>y %all deem ! paym5t obligation 
to be a qualify+ mon?ly paym5t          
obligation to be c\nt$ = purposes (     
p>agraph 7#b74  7ii7 ,explanation (     
non-qualify+ paym5t obligation          
det]m9ations ,if ! ,secret>y det]m9es t 
paym5ts made by a borr[] ( a loan made  
"u ?is "p = a p]iod ( full-"t employm5t 
) a qualify+ employ] _c be appli$ t[>d !
 total numb] ( qualify+ mon?ly paym5t   
obligations = purposes ( p>agraph 7#b71 
! ,secret>y %all provide a borr[] ) an  
explanation & all[ ! borr[] to correct !

 reason = su* det]m9ation1 to ! ext5t   
possible4 ,su* borr[] rem$iation %all   
include1 at a m9imum1 provid+ a borr[] )
 ! opportunity to reimburse ! ,secret>y 
= any und]paym5t4  7,c7 ,satisfy+       
previ\sly non-qualify+ mon?ly paym5t    
obligations  7i7 ,9 g5]al ,a borr[] ( a 
loan made "u ?is "p :o has a p]iod dur+ 
:i* ! borr[] 0 employ$ full-"t ) a      
qualify+ employ] b did n satisfy "o or m
 qualify+ mon?ly paym5t obligations dur+
 su* p]iod1 su* z a borr[] :o 0 9       
def]m5t or =be>ance1 may satisfy "o or m
 mon?ly paym5t obligations ( t p]iod at 
a lat] date by pay+ ! additional am\nt  
ne$$ to satisfy ! qualify+ mon?ly paym5t
 obligation1 9 accordance ) a process   
e/abli%$ by ! ,secret>y4  7ii7          
,det]m9ation process ,! am\nt ( pa/     
mon?ly paym5t obligations satisfi$ by a 
paym5t "u ?is subp>agraph = a p]iod (   
employm5t %all be det]m9$ us+ ! am\nt ( 
! borr[]'s mon?ly paym5t1 bas$ on any   
repaym5t plan1 z select$ by ! borr[]1 t 
c\ld h be5 select$ by ! borr[] dur+ su* 

p]iod4 ,! ,secret>y may require a borr[]
 wi%+ to satisfy pa/ mon?ly paym5t      
obligations "u ?is subp>agraph to submit
 any additional in=mation necess>y to   
calculate ! am\nt ( ! pa/ paym5ts4      
7iii7 ,limit ,a borr[] may n satisfy m  
?an #cf pa/ mon?ly paym5t obligations "u
 ?is subp>agraph4  7#f7 ,special rules  
relat+ to ,f$]al ,direct consolidation  
loans  7,a7 ,review ( any new           
consolidation loan application  7i7     
,public s]vice loan =giv5ess option on  
consolidation application ,beg9n+ on    
,july #a1 #bjai1 ! ,secret>y %all       
include1 9 any application = a ,f$]al   
,direct ,consolidation ,loan1 ! option =
 ! borr[] to indicate t ! borr[] is     
consolidat+ = ! purpose ( us+ ! public  
s]vice loan =giv5ess program "u ?is     
subsection4  7ii7 ,review ,beg9n+ on    
,july #a1 #bjai1 ! ,secret>y %all1 aft] 
issu+ any ,f$]al ,direct ,consolidation 
,loan to a borr[] :o indicat$ an int]e/ 
9 ! public s]vice loan =giv5ess program 
on ! loan application-- 7,i7 reque/ t ! 

borr[] submit a c]tification (          
employm5t2 &  7,,ii7 aft] receiv+ a     
complete c]tification ( employm5t1      
review ! borr[]'s pa/ paym5ts on all    
compon5t loans compris+ ! ,f$]al ,direct
 ,consolidation ,loan & in=m ! borr[]-- 
7aa7 ( ! numb] ( mon?ly paym5t          
obligations satisfi$ by ! borr[] be=e ! 
date ( consolidation t are qualify+     
mon?ly paym5t obligations1 9 accordance 
) subp>agraph 7,b72 or  7bb7 if no      
paym5t obligations are satisfi$1 t !    
borr[] w n receive any cr$it t[>ds      
public s]vice loan =giv5ess "u ?is      
subsection = ! ,f$]al ,direct           
,consolidation ,loan4  7,b7 ,qualify+   
paym5t obligations on all compon5t loans
 & loan types ?r\gh consolidation ,9 !  
case ( a borr[] ( "o or m loans eligible
 = consolidation1 includ+ loans made "u 
"p ,b1 :o applies =1 & receives1 a      
,f$]al ,direct ,consolidation ,loan1 !  
,secret>y %all reque/ ! borr[] submit a 
c]tification ( employm5t = any qualify+ 
employm5t &1 aft] receiv+ ! c]tification

 ( employm5t1 %all-- 7i7 review !       
borr[]'s paym5t hi/ory on ea* ( !       
compon5t loans compris+ ! ,f$]al ,direct
 ,consolidation ,loan1 includ+ ea* loan 
made "u "p ,b2 &  7ii7 = ea* compon5t   
loan-- 7,i7 calculate ! weight$ factor (
 ! compon5t loan1 :i* %all be ! factor t
 repres5ts ! ratio betwe5 ! am\nt ( !   
compon5t loan & ! am\nt ( ! ,f$]al      
,direct ,consolidation ,loan1 z det]m9$ 
by ! ,secret>y2  7,,ii7 det]m9e ! numb] 
( equival5t mon?ly paym5t obligations   
t[>d ! ,f$]al ,direct ,consolidation    
,loan satisfi$ on ! compon5t loan by    
multiply+ ! weight$ factor = ! compon5t 
loan by ! numb] ( qualify+ mon?ly paym5t
 obligations t ! borr[] satisfi$ on !   
compon5t loan2 &  7,,iii7 aft] r\nd+ !  
numb] det]m9$ "u subclause 7,,ii7 to !  
ne>e/ :ole numb]1 deem t numb] (        
equival5t mon?ly paym5t obligations to  
be qualify+ mon?ly paym5t obligations on
 ! ,f$]al ,direct ,consolidation ,loan4 
7,c7 ,applicability ( borr[] protections
 & rights ,a borr[] ( "o or m loans     

eligible = consolidation1 includ+ loans 
made "u "p ,b1 :o applies = & receives a
 ,f$]al ,direct ,consolidation ,loan    
%all receive all ! protections & rights 
provid$ "u subp>agraphs 7,b7 & 7,c7 (   
p>agraph 7#e7 = ! loan1 & = any compon5t
 loan1 9 ! same mann] z provid$ to any  
o!r borr[] ( a loan made "u ?is "p4     
7#g7 ,notice ( qualify+ paym5t          
obligations  7,a7 ,initial notice ,^u   
receiv+ any v]bal or writt5 contact by a
 borr[] on or aft] ,july #a1 #bjai1     
express+ int]e/ 9 ! public s]vice loan  
=giv5ess program "u ?is subsection1 !   
,secret>y1 or an eligible l5d] or       
gu>anty ag5cy "u "p ,b1 %all provide !  
borr[]1 by n lat] ?an #cj days aft] !   
contract1 ) a notice t-- 7i7 expla9s !  
requirem5ts ( ! program1 includ+ :e!r ! 
borr[] ne$s to consolidate "s or all ( !
 borr[]'s loans to receive =giv5ess "u  
?is subsection2  7ii7 includes a copy (1
 or a l9k to1 in=mation ab\t !          
c]tification ( employm5t process        
describ$ 9 p>agraph 7#d72  7iii7        

includes an e/imate ( ! qualify+ mon?ly 
paym5t obligations t w\ld be satisfi$ by
 ! borr[] bas$ on ! borr[]'s paym5t     
hi/ory1 z ( ! date ( notice1 if ! borr[]
 0 a full-"t employee ( a qualify+      
employ] & met ! requirem5ts ( p>agraph  
7#b72 &  7iv7 includes an e/imate ( !   
numb] ( rema9+ qualify+ mon?ly paym5t   
obligations to be satisfi$ 9 ord] = !   
borr[] to receive p>tial loan =giv5ess  
"u p>agraph 7#c77;,a71 & su* numb] ne$$ 
to receive full loan =giv5ess "u        
p>agraph 7#c77;,b74  7,b7 ,subsequ5t    
notices ,aft] provid+ an initial notice 
"u subp>agraph 7,a71 ! ,secret>y1 or an 
eligible l5d] or gu>anty ag5cy "u "p ,b1
 %all annually provide ! borr[] ) a     
notice conta9+ ! in=mation describ$ 9   
su* subp>agraph = ea* subsequ5t ye> t ! 
borr[] has an out/&+ loan1 unless !     
borr[] receives notices "u p>agraph     
7#d77;,e77ii7 or reque/s t ! notices be 
discont9u$4  7#h7 ,dispute resolution   
process ,by n lat] ?an ,july #a1 #bjai1 
! ,secret>y %all e/abli% a process =    

borr[]s to dispute ! calculation (      
qualify+ mon?ly paym5t obligations1 or !
 det]m9ation ( full or p>tial loan      
=giv5ess "u p>agraph 7#b71 foll[+ !     
submission ( a c]tification ( employm5t 
or application = =giv5ess or any        
successor c]tification or application4  
7#i7 ,database ( qualify+ employ]s  7,a7
 ,9 g5]al ,n lat] ?an ,july #a1 #bjai1 !
 ,secret>y %all-- 7i7 e/abli% a database
 t w include all employ]s f :i* !       
,secret>y has receiv$ a c]tification (  
employm5t2 &  7ii7 use su* database to  
aid ! ,secret>y 9 process+ a            
c]tification ( employm5t & 9 provid+ !  
notices requir$ "u subsection 7r77#c74  
7,b7 ,data mat*+ agreem5ts  7i7 ,9 g5]al
 ,! ,secret>y %all ent] into data mat*+ 
agreem5ts ) relevant ,f$]al ag5cies :o  
possess records ab\t ! /atus ( employ]s 
or ! /atus ( borr[]s z employees (      
qualify+ employ]s = ! purpose (         
elim9at+1 to ! ext5t practicable1 ! ne$ 
= a borr[] or employ] to submit a       
c]tification ( employm5t to ! ,secret>y4

  7ii7 ,specific ,f$]al ag5cies ,not)/&+
 any ,f$]al law1 ! ,secret>y ( ,labor1 !
 ,commission] ( ,int]nal ,rev5ue1 & !   
,commission] ( ,social ,security %all   
disclose any relevant records to !      
,secret>y = ! purposes ( meet+ !        
,secret>y's obligations to r$uce b>ri]s 
to c]tification ( employm5t z describ$ 9
 clause 7i74  7iii7 ,notice to borr[]s  
,if ! ,secret>y receives employ] or     
employm5t in=mation reg>d+ a borr[] f a 
,f$]al ag5cy pursuant to ?is            
subp>agraph1 ! ,secret>y %all timely    
notify ! borr[] t-- 7,i7 ! ,secret>y    
receiv$ ! in=mation2 &  7,,ii7 ! borr[]1
 = ! duration ( ! borr[]'s employm5t by 
! employ]-- 7aa7 is n requir$ to submit 
a c]tification ( employm5t = ! employ]  
"u p>agraph 7#d72 or  7bb7 if !         
in=mation is n complete1 only ne$s to   
submit a r$uc$ set ( in=mation to !     
,secret>y = ! c]tification ( employm5t4 
7#aj7 ,ineligibility  7,a7 ,no d\ble    
b5efits ,no borr[] may1 = ! same s]vice1
 receive a r$uction ( loan obligations  

"u bo? ?is subsection & section #dbh;,j1
 #dbh,k1 #dbh,l1 or #dfj4  7,b7 ,f$]al  
elect$ s]vice exclud$ ,no borr[] may    
receive loan =giv5ess "u ?is subsection 
= s]vice z a ,memb] ( ,congress or      
,presid5t or ,vice ,presid5t ( ! ,unit$ 
,/ates4  4  7#b7 ,,ffel program am5dm5ts
 ,"p ,b ( ! ,high] ,education ,act (    
#aife 7#bj ,u4,s4,c4 #ajga et seq47 is  
am5d$-- 7,a7 9 section #dbh 7#bj        
,u4,s4,c4 #ajgh71 by add+ at ! end !    
foll[+3  7p7 ,repaym5t hi/ory in=mation 
& public s]vice loan =giv5ess in=mation 
,a gu>anty ag5cy %all-- 7#a7 provide1 9 
a timely mann]1 any necess>y borr[]     
repaym5t hi/ory in=mation t ! ,secret>y 
reque/s 9 ord] to det]m9e ! borr[]'s    
eligibility = ! public s]vice loan      
=giv5ess program "u section #dee7m71 or 
! numb] ( qualify+ mon?ly paym5t        
obligations satisfi$ = purposes ( !     
program1 includ+ su* in=mation f all    
s]vic]s involv$ 9 s]vic+ ! borr[]'s     
loan2 &  7#b7 c>ry out ! requirem5ts (  
section #dee7m77#g7 ^u receiv+ any v]bal

 or writt5 contact by a borr[] on or    
aft] ,july #a1 #bjai1 express+ int]e/ 9 
! public s]vice loan =giv5ess program "u
 section #dee7m74  2 &  7,b7 9 section  
#dcc 7#bj ,u4,s4,c4 #ajhc7-- 7i7 by     
r$esignat+ subsection 7f7 z subsection  
7g72 &  7ii7 by ins]t+ aft] subsection  
7e7 ! foll[+3  7f7 ,repaym5t hi/ory     
in=mation ,an eligible l5d] %all-- 7#a7 
provide1 9 a timely mann]1 any necess>y 
borr[] repaym5t hi/ory in=mation t !    
,secret>y reque/s 9 ord] to det]m9e !   
borr[]'s eligibility = ! public s]vice  
loan =giv5ess program "u section        
#dee7m71 or ! numb] ( qualify+ mon?ly   
paym5t obligations satisfi$ = purposes (
 ! public s]vice loan =giv5ess program  
"u section #dee7m71 includ+ su*         
in=mation f all s]vic]s involv$ 9 s]vic+
 ! borr[]'s loan2 &  7#b7 c>ry out !    
requirem5ts ( section #dee7m77#g7 ^u    
receiv+ any v]bal or writt5 contact by a
 borr[] on or aft] ,july #a1 #bjai1     
express+ int]e/ 9 ! public s]vice loan  
=giv5ess program "u section #dee7m74  4 

7b7 ,notification ,to ,direct ,loan     
borr[]s reg>d+ all options = loan       
=giv5ess ,section #dee ( ! ,high]       
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajhg;e7 is am5d$ by add+ at ! end !    
foll[+3  7r7 ,annual notice reg>d+ loan 
=giv5ess options  7#a7 ,9 g5]al ,!      
,secret>y %all annually provide a writt5
 or electronic disclosure to ea* borr[] 
( a loan "u ?is "p-- 7,a7 notify+ !     
borr[]-- 7i7 ( any loan =giv5ess option 
available "u ?is title t might apply to 
a loan "u ?is "p held by ! borr[]1      
includ+ ! public s]vice loan =giv5ess   
program "u subsection 7m72 &  7ii7 9 !  
case ( a borr[] :o is a full-"t employee
 ( a ,f$]al ag5cy & has n express$      
int]e/ 9 or submitt$ a c]tification (   
employm5t = ! public s]vice loan        
=giv5ess program-- 7,i7 t ! borr[] is   
employ$ by a qualify+ employ]2  7,,ii7 !
 numb] ( paym5t obligations satisfi$ by 
! borr[] t ! ,secret>y has det]m9$ c\ld 
be qualify+ mon?ly paym5t obligations on
 eligible ,f$]al ,direct ,loan =        

purposes ( ! public s]vice loan =giv5ess
 program2 &  7,,iii7 ! /eps necess>y = !
 borr[] to submit a c]tification (      
employm5t & to obta9 =giv5ess "u        
subsection 7m77#b72  7,b7 in=m+ ! borr[]
 t ! loan =giv5ess options describ$ 9   
subp>agraph 7,a7 are provid$ free (     
*>ge2 &  7,c7 includ+1 = ea* loan       
=giv5ess option1 in=mation reg>d+ h[ !  
borr[] %\ld proce$1 includ+ contact     
in=mation1 if ! borr[] wi%es to pursue  
su* loan =giv5ess option4  7#b7         
,exclusions ,not)/&+ p>agraph 7#a71 !   
,secret>y %all n provide a notification 
"u ?is subsection to a borr[] ( a loan  
"u ?is "p if-- 7,a7 ! borr[] is also    
receiv+ a notification "u subsection    
7m77#g72 or  7,b7 ! borr[] has reque/$ t
 ! ,secret>y no long] provide !         
notifications "u ?is subsection4  4  7c7
 ,effective date ,! am5dm5ts made by ?is
 section %all take effect on ,july #a1  
#bjai4  #c4 ,transition to improv$      
public s]vice loan =giv5ess program  7a7
 ,review ( borr[]s curr5tly p>ticipat+ 9

 public s]vice loan =giv5ess  7#a7      
,calculat+ ! numb] ( qualify+ paym5t    
obligations = curr5t public s]vice loan 
=giv5ess program p>ticipants ,by n lat] 
?an ,july #a1 #bjai1 ! ,secret>y %all1 =
 ea* borr[] t has submitt$ a            
c]tification ( employm5t "u ! public    
s]vice loan =giv5ess program "u section 
#dee7m7 ( ! ,high] ,education ,act (    
#aife 7#bj ,u4,s4,c4 #ajhg;e7 be=e ,july
 #a1 #bjai-- 7,a7 calculate ! numb] (   
qualify+ paym5t obligations "u su*      
section satisfi$ by ! borr[]1 us+ !     
crit]ia ( su* section z 9 effect on     
,july #a1 #bjai2 &  7,b7 in=m ! borr[] (
 ! *anges 9 ! public s]vice loan        
=giv5ess program & ! numb] ( qualify+   
paym5t obligations t ! borr[] w h       
satisfi$ = purposes ( ! program1 beg9n+ 
on ,july #a1 #bjai4  7#b7 ,retroactive  
p>tial loan =giv5ess ,by n lat] ?an     
,july #a1 #bjai1 ! ,secret>y %all take  
su* /eps z are necess>y to provide      
p>tial loan =giv5ess "u section         
#dee7m77#c77;,a77i7 ( ! ,high]          

,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajhg;e7m77#c77;,a77i771 z 9 effect on  
su* date1 to borr[]s ) out/&+ balance ( 
pr9cipal & int]e/ on a loan made "u ?is 
"p :o met ! crit]ia = p>tial loan       
=giv5ess "u su* section1 z 9 effect on  
,july #a1 #bjai1 be=e su* date b on or  
aft] ,octob] #a1 #bjjg4  7#c7           
,applicability ( o!r provisions ,9 c>ry+
 out p>agraphs 7#a7 & 7#b71 & 9 any o!r 
case :]e ! ,secret>y is apply+ ! loan   
=giv5ess provisions ( section #dee7m7 ( 
! ,high] ,education ,act ( #aife 7#bj   
,u4,s4,c4 #ajhg;e7m771 z 9 effect on    
,july #a1 #bjai1 to a borr[] = :om "o or
 m paym5t obligations 7 satisfi$ be=e   
,july #a1 #bjai1 ! ,secret>y %all       
det]m9e ! numb] ( paym5t obligations    
satisfi$ by apply+ all ( ! provisions ( 
su* section z 9 effect on ,july #a1     
#bjai1 includ+ ! calculation ( paym5t   
obligations "u section #dee7m77#e7 ( su*
 ,act & ! inclusion ( paym5t obligations
 satisfi$ ?r\gh ! compon5t loans ( a    
,f$]al ,direct ,consolidation ,loan "u  

section #dee7m77#f71 )\t reg>d z to !   
date on :i* ! paym5t obligation 0       
satisfi$4  7b7 ,special ,,pslf program  
funds  7#a7 ,def9ition ( ,special ,,pslf
 program funds ,9 ?is section1 ! t]m    
special ,,pslf program funds means !    
am\nts appropriat$ = public s]vice loan 
=giv5ess "u section #cae ( division ,h (
 ! ,consolidat$ ,appropriations ,act1   
#bjah 7,public ,law #aae-ada2 ,m>* #bc1 
#bjah7 or "u section #cac ( division ,b 
( ! ,dep>tm5t ( ,def5se & ,labor1 ,heal?
 & ,human ,s]vices1 & ,education        
,appropriations ,act1 #bjai & ,cont9u+  
,appropriations ,act1 #bjai 7,public    
,law #aae-bde2 ,septemb] #bh1 #bjah74   
7#b7 ,rescission ,^u ! effective date   
describ$ 9 section #b7;c71 all special  
,,pslf program funds t rema9 unexp5d$ on
 su* date %all be resc9d$4  7#c7        
,transition ,! ,secret>y ( ,education   
%all e/abli% a process ?r\gh :i* !      
,secret>y %all-- 7,a7 review !          
applications ( borr[]s :o appli$ = !    
loan =giv5ess program c>ri$ out )       

special ,,pslf program funds b _h n     
receiv$ loan =giv5ess ?r\gh su* program 
be=e ,july #a1 #bjai2 &  7,b7 assi/ su* 
borr[]s 9 pursu+ loan =giv5ess "u       
section #dee7m7 ( ! ,high] ,education   
,act ( #aife 7#bj ,u4,s4,c4 #ajhg;e7m771
 z 9 effect on ,july #a1 #bjai4