,,ii  #aaf? ,,congress  #a/ ,session    
,s4 #adhi  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,may #ae1 #bjai,mr4    
,w>n] 7= himself1 ,mr4 ,rubio1 & ,mr4   
,cornyn7 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 to au?orize borr[]s to     
sep>ate jo9t consolidation loans4  #a4  
,%ort title ,?is ,act may be cit$ z !   
,jo9t ,consolidation ,loan ,sep>ation   
,act4  #b4 ,sep>at+ jo9t consolidation  
loans  7a7 ,9 g5]al ,section #dee7;g7 ( 
! ,high] ,education ,act ( #aife 7#bj   
,u4,s4,c4 #ajhg;e7g77 is am5d$-- 7#a7 by
 /rik+ ,a borr[] & ins]t+ ! foll[+3     
7#a7 ,9 g5]al ,a borr[]  2 &  7#b7 by   
add+ at ! end ! foll[+3  7#b7 ,sep>at+  
jo9t consolidation loans  7,a7 ,9 g5]al 
,a m>ri$ c\ple1 or #b individuals :o 7  
previ\sly a m>ri$ c\ple1 & :o receiv$ a 
jo9t consolidation loan z su* m>ri$     
c\ple "u subp>agraph 7,c7 ( section     
#dbh;,c7a77#c7 7z su* subp>agraph 0 9   

effect on or be=e ,june #cj1 #bjjf71 may
 apply to ! ,secret>y = ea* individual  
borr[] 9 ! m>ri$ c\ple 7or previ\sly    
m>ri$ c\ple7 to receive a sep>ate ,f$]al
 ,direct ,consolidation ,loan "u ?is    
"p-- 7i7 t %all be equal to ! sum (--   
7,i7 ! unpaid pr9cipal & accru$ unpaid  
int]e/ ( ! p]c5tage ( ! jo9t            
consolidation loan t1 z ( ! day be=e su*
 jo9t consolidation loan 0 made1 0      
attributable to ! loans ( ! individual  
borr[] = :om su* sep>ate consolidation  
loan is be+ made2 &  7,,ii7 any o!r     
loans describ$ 9 section #dbh;,c7a77#d7 
t su* individual borr[] selects =       
consolidation "u ?is "p2  7ii7 ! proce$s
 ( :i* %all be paid by ! ,secret>y to ! 
hold] or hold]s-- 7,i7 ( ! jo9t         
consolidation loan = ! purpose ( dis*>g+
 ! liability on ! p]c5tage ( su* jo9t   
consolidation loan describ$ 9 clause    
7i77,i72 &  7,,ii7 ( ! loans select$ =  
consolidation "u clause 7i77,,ii7 = !   
purpose ( dis*>g+ ! liability on su*    
loans2  7iii7 t has ! same rate ( int]e/

 z ! jo9t consolidation loan2  7iv7 =   
:i* any paym5t made "u section          
#dee7m77#a77;,a7 on ! jo9t consolidation
 loan dur+ a p]iod 9 :i* ! individual   
borr[] = :om su* sep>ate consolidation  
loan is be+ made 0 employ$ 9 a public   
s]vice job describ$ 9 section           
#dee7m77#a77;,b7 %all be treat$ z if su*
 paym5t 7 made on su* sep>ate           
consolidation loan2 &  7v7 = :i* any    
paym5t made "u an income cont+5t        
repaym5t plan or an income-bas$ repaym5t
 plan describ$ 9 subp>agraph 7,d7 or    
7,e7 ( section #dee7;d77#a71            
respectively1 on ! jo9t consolidation   
loan %all be treat$ z if su* paym5t 7   
made on su* sep>ate consolidation loan4 
7,b7 ,application = sep>ate direct      
consolidation loan  7i7 ,jo9t           
application ,except z provid$ 9 clause  
7ii71 to receive sep>ate consolidation  
loans "u subp>agraph 7,a71 bo?          
individual borr[]s 9 a m>ri$ c\ple 7or  
previ\sly m>ri$ c\ple7 %all jo9tly apply
 "u subp>agraph 7,a74  7ii7 ,sep>ate    

application ,an individual borr[] 9 a   
m>ri$ c\ple 7or previ\sly m>ri$ c\ple7  
may apply = a sep>ate consolidation loan
 "u subp>agraph 7,a7 sep>ately & )\t    
reg>d to :e!r or :5 ! o!r individual    
borr[] 9 ! m>ri$ c\ple 7or previ\sly    
m>ri$ c\ple7 applies "u subp>agraph     
7,a71 9 a case 9 :i*-- 7,i7 ! individual
 borr[] has exp]i5c$ f ! o!r individual 
borr[]-- 7aa7 dome/ic viol5ce 7z def9$ 9
 section #djjjb7;a7 ( ! ,viol5ce ,aga9/ 
,wom5 ,act ( #aiid 7#db ,u4,s4,c4       
#acibe7;a7772 or  7bb7 economic abuse   
7includ+ behaviors t control su*        
borr[]'s ability to acquire1 use1 &     
ma9ta9 access to money1 cr$it1 or ! jo9t
 f9ancial obligations ( bo? borr[]s72   
7,,ii7 ! individual borr[] c]tifies1 on 
a =m approv$ by ! ,secret>y1 t su*      
borr[] is unable to reasonably rea* or  
access ! loan in=mation ( ! o!r         
individual borr[]2 or  7,,iii7 !        
,secret>y det]m9es t au?oriz+ ea*       
individual borr[] to apply sep>ately "u 
subp>agraph 7,a7 w\ld be 9 ! be/ fiscal 

int]e/s ( ! ,f$]al ,gov]nm5t4  7,c7     
,borr[] eligibility ,not)/&+ section    
#dbh;,c7a77#c77;,a71 ! ,secret>y %all   
aw>d a consolidation loan "u ?is "p to  
ea* borr[] :o-- 7i7 applies = su* loan  
"u subp>agraph 7,a72 &  7ii7 meets !    
requirem5ts ( subp>agraphs 7,a7 & 7,b74 
4  7b7 ,con=m+ am5dm5t ,section         
#dbh;,c7a77#c77;,b77i77,v7 ( ! ,high]   
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajgh-c7;a77#c77;,b77i77,v77 is am5d$-- 
7#a7 9 item 7bb71 by /rik+ or aft] !    
semicolon2  7#b7 9 item 7cc71 by /rik+ !
 p]iod & ins]t+ 2 or2 &  7#c7 by add+ at
 ! end ! foll[+3  7dd7 = ! purpose (    
sep>at+ a jo9t consolidation loan into  
#b sep>ate ,f$]al ,direct ,consolidation
 ,loans "u section #dee7;g77#b74  4