,i  #aag? ,,congress  #b;d ,session  ,h4
 ,r4 #hebb  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,july #bg1 #bjbb,ms4  
,bonamici 7= h]self1 ,mr4 ,fitzpatrick1 
& ,mr4 ,lamb7 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      
include notification & automatic        
enrollm5t proc$ures = borr[]s :o are    
del9qu5t on loans1 & = o!r purposes4    
#a4 ,%ort title ,?is ,act may be cit$ z 
! ,/reaml9+ ,income-driv51 ,manageable  
,paym5ts on ,loans = ,education ,act or 
! ,,simple ,act4  #b4 ,notification &   
automatic enrollm5t proc$ures = borr[]s 
:o are del9qu5t on loans & = borr[]s :o 
are rehabilitat+ default$ loans  7a7    
,am5dm5ts  7#a7 ,notification &         
automatic enrollm5t proc$ures ,section  

#dee7;d7 ( ! ,high] ,education ,act (   
#aife 7#bj ,u4,s4,c4 #ajhg;e7d77 is     
am5d$ by add+ at ! end ! foll[+3  7#f7  
,notification & automatic enrollm5t     
proc$ures = borr[]s :o are del9qu5t on  
loans  7,a7 ,au?ority to obta9 income   
in=mation ,! ,secret>y %all e/abli% &   
implem5t1 ) respect to any borr[]       
describ$ 9 subp>agraph 7,b71 proc$ures  
to-- 7i7 use return in=mation ( ! borr[]
 7& ! borr[]'s sp\se1 if applicable7    
disclos$ "u section #fajc7l77#ac7 ( !   
,int]nal ,rev5ue ,code ( #aihf1 pursuant
 to approval provid$ "u section #did1 to
 det]m9e ! income & family size ( !     
borr[] 7& ! borr[]'s sp\se1 if          
applicable7 )\t fur!r action by !       
borr[]2  7ii7 all[ ! borr[] 7or ! sp\se 
( ! borr[]71 at any "t1 to opt out (    
disclosure "u su* section #fajc7l77#ac7 
& in/ead provide su* in=mation z !      
,secret>y may require to det]m9e !      
income & family size ( ! borr[] 7& !    
borr[]'s sp\se1 if applicable72 &  7iii7
 provide ! borr[] ) an opportunity to   

update ! return in=mation s disclos$    
be=e ! det]m9ation ( ! income & family  
size ( ! borr[] = purposes ( ?is        
p>agraph4  7,b7 ,borr[] notification ,) 
respect to ea* borr[] ( a cov]$ loan :o 
is at lea/ #ca days del9qu5t on su* loan
 & :o has n be5 subject to ! proc$ures  
"u ?is p>agraph = su* loan 9 ! prec$+   
#abj days1 ! ,secret>y %all1 z soon z   
practicable aft] su* #ca-;day del9qu5cy1
 provide to ! borr[] ! foll[+3 7i7      
,notification t ! borr[] is at lea/ #ca 
days del9qu5t on at lea/ #a cov]$ loan1 
& a description ( all del9qu5t cov]$    
loans1 nondel9qu5t cov]$ loans1 &       
noncov]$ loans ( ! borr[]4  7ii7 ,a     
brief description ( ! repaym5t plans =  
:i* ! borr[] is eligible & ! cov]$ loans
 & noncov]$ loans ( ! borr[] t may be   
eligible = su* plans1 bas$ on in=mation 
available to ! ,secret>y4  7iii7 ,cle> &
 simple in/ructions on h[ to select !   
repaym5t plans4  7iv7 ,9 ! case ( a     
borr[] ( a loan "u section #dbh;,b1 or a
 ,f$]al ,direct ,,plus ,loan1 t is made1

 insur$1 or gu>ante$ on behalf ( a      
dep5d5t /ud5t1 an explanation t ! borr[]
 may qualify = an income-driv5 repaym5t 
plan if ! borr[] consolidates su* loan  
into a ,f$]al ,direct ,consolidation    
,loan1 & ! am\nt ( ! mon?ly paym5t ( su*
 consolidation loan if ! borr[] does s  
consolidate4  7v7 ,! am\nt ( mon?ly     
paym5ts = ! cov]$ & noncov]$ loans "u ! 
repaym5t plans = :i* ! borr[] is        
eligible1 bas$ on in=mation available to
 ! ,secret>y1 includ+1 if ! income      
in=mation ( ! borr[] is available to !  
,secret>y "u subp>agraph 7,a7-- 7,i7 !  
am\nt ( ! mon?ly paym5t "u ea*          
income-driv5 repaym5t plan = :i* !      
borr[] is eligible = ! borr[]'s cov]$ & 
noncov]$ loans1 bas$ on su* income      
in=mation2 &  7,,ii7 ! income1 family   
size1 tax fil+ /atus1 & tax ye>         
in=mation on :i* ea* mon?ly paym5t is   
bas$4  7vi7 ,an explanation t 9 ! case (
 a borr[] = :om adju/$ gross income is  
unavailable-- 7,i7 if ! borr[] selects  
to repay ! cov]$ loans ( su* borr[]     

pursuant to an income-driv5 repaym5t    
plan t def9es discretion>y income 9 su* 
a mann] t an individual n requir$ "u    
section #fjab7;a77#a7 ( ! ,int]nal      
,rev5ue ,code ( #aihf to file a return )
 respect to income taxes impos$ by      
subtitle ,a ( su* ,code may h a         
calculat$ mon?ly paym5t great] ?an #j1 !
 borr[] w be requir$ to provide !       
,secret>y ) o!r docum5tation ( income   
satisfactory to ! ,secret>y1 :i*        
docum5tation ! ,secret>y may use to     
det]m9e an appropriate repaym5t s*$ule2 
&  7,,ii7 if ! borr[] selects to repay  
su* loans pursuant to an income-driv5   
repaym5t plan t is n describ$ 9         
subclause 7,i71 ! borr[] w n be requir$ 
to provide ! ,secret>y ) su* o!r        
docum5tation ( income1 & ! borr[] w h a 
calculat$ mon?ly paym5t ( #j4  7vii7 ,an
 explanation t ! ,secret>y %all take !  
actions "u subp>agraph 7,c7 ) respect to
 su* borr[]1 if-- 7,i7 ! borr[] is #hj  
days del9qu5t on "o or m cov]$ loans &  
has n select$ a new repaym5t plan = !   

cov]$ loans ( ! borr[]2 &  7,,ii7 9 !   
case ( su* a borr[] ^: repaym5t plan = !
 cov]$ loans ( ! borr[] is n an         
income-driv5 repaym5t plan1 ! mon?ly    
paym5ts "u su* repaym5t plan are high]  
?an su* mon?ly paym5ts w\ld be "u an    
income-driv5 repaym5t plan = su* loans4 
7viii7 ,in/ructions on updat+ !         
in=mation ( ! borr[] obta9$ "u          
subp>agraph 7,a74  7,c7 ,secret>y's     
initial selection ( plan ,) respect to  
ea* borr[] describ$ 9 subp>agraph 7,b7  
:o has a repaym5t plan = ! cov]$ loans (
 ! borr[] t meets ! requirem5ts ( clause
 7vi77,,ii7 ( subp>agraph 7,b7 & has n  
select$ a new repaym5t plan = su* loans 
9 accordance ) ! notice receiv$ "u su*  
subp>agraph1 & :o is at lea/ #hj days   
del9qu5t on su* a loan1 ! ,secret>y     
%all1 z soon z practicable-- 7i7 9 a    
case 9 :i* any ( ! borr[]'s cov]$ loans 
are eligible = an income-driv5 repaym5t 
plan-- 7,i7 7aa7 provide ! borr[] ) !   
income-driv5 repaym5t plan t requires ! 
l[e/ mon?ly paym5t am\nt = ea* cov]$    

loan ( ! borr[]1 comp>$ to any o!r su*  
plan = :i* ! borr[] is eligible2 or     
7bb7 if m ?an "o income-driv5 repaym5t  
plan w\ld (f] ! borr[] ! same l[e/      
mon?ly paym5t am\nt1 provide ! borr[] ) 
! income-driv5 repaym5t plan t has ! mo/
 favorable t]ms = ! borr[]2  7,,ii7 if !
 plan select$ "u subclause 7,i7 is n !  
income-driv5 repaym5t plan t w\ld h !   
l[e/ mon?ly paym5t am\nt if ! borr[] 7  
eligible = su* plan = ! borr[]'s cov]$  
loans & noncov]$ loans1 notify ! borr[] 
( ! actions1 if any1 ! borr[] may take  
to become eligible = su* income-driv5   
repaym5t plan2 &  7,,iii7 au?orize !    
borr[] to *ange ! ,secret>y's selection 
( a plan "u ?is clause to any plan      
describ$ 9 p>agraph 7#a7 = :i* ! borr[] 
is eligible2 &  7ii7 9 a case 9 :i* none
 ( ! borr[]'s cov]$ loans are eligible =
 an income-driv5 repaym5t plan1 notify !
 borr[] ( ! actions1 if any1 ! borr[]   
may take = su* loans to become eligible 
= su* a plan4  7,d7 ,secret>y's         
additional selection ( plan  7i7 ,9     

g5]al ,) respect to ea* borr[] ( a cov]$
 loan :o selects a new repaym5t plan 9  
accordance ) ! notice receiv$ "u        
subp>agraph 7,b7 & :o cont9ues to be    
del9qu5t on su* loan = a p]iod describ$ 
9 clause 7ii71 ! ,secret>y %all1 z soon 
z practicable aft] su* p]iod1 c>ry out !
 proc$ures describ$ 9 clauses 7i7 & 7ii7
 ( subp>agraph 7,c7 = ! cov]$ loans ( ! 
borr[]1 if su* proc$ures w\ld result 9  
l[] mon?ly repaym5t am\nts on su* loan4 
7ii7 ,description ( p]iod ,! duration ( 
! p]iod describ$ 9 clause 7i7 %all be ! 
am\nt ( "t t ! ,secret>y det]m9es is    
suffici5t to indicate t ! borr[] may    
b5efit f repay+ su* loan "u a new       
repaym5t plan1 b 9 no case %all su*     
p]iod be less ?an #fj days4  7#g7       
,notification & automatic enrollm5t     
proc$ures = borr[]s :o are rehabilitat+ 
default$ loans  7,a7 ,au?ority to obta9 
income in=mation ,! ,secret>y %all      
e/abli% & implem5t1 ) respect to any    
borr[] :o is rehabilitat+ a cov]$ loan  
pursuant to section #dbh;,f7a71         

proc$ures to-- 7i7 use return in=mation 
( ! borr[] 7& ! borr[]'s sp\se1 if      
applicable7 disclos$ section            
#fajc7l77#ac7 ( ! ,int]nal ,rev5ue ,code
 ( #aihf1 pursuant to approval provid$  
"u section #did1 to obta9 su* in=mation 
z is reasonably necess>y reg>d+ ! income
 & family size ( ! borr[] 7& ! borr[]'s 
sp\se1 if applicable72  7ii7 all[ !     
borr[] 7or ! sp\se ( ! borr[]71 at any  
"t1 to opt out ( disclosure "u su*      
section #fajc7l77#ac7 & in/ead provide  
su* in=mation z ! ,secret>y may require 
to obta9 su* in=mation2 &  7iii7 provide
 ! borr[] ) an opportunity to update !  
return in=mation s disclos$ be=e !      
det]m9ation ( income & family size ( !  
borr[] 7& ! borr[]'s sp\se1 if          
applicable7 = purposes ( ?is p>agraph4  
7,b7 ,borr[] notification ,n lat] ?an   
#cj days aft] a borr[] makes ! #f?      
paym5t requir$ = ! loan rehabilitation  
describ$ 9 subp>agraph 7,a71 ! ,secret>y
 %all notify ! borr[] ( ! process "u    
subp>agraph 7,c7 ) respect to su* loan4 

7,c7 ,secret>y's selection ( plan ,)    
respect to ea* borr[] :o has made ! #i? 
paym5t requir$ = ! loan rehabilitation  
describ$ 9 subp>agraph 7,a71 ! ,secret>y
 %all1 z soon z practicable aft] su*    
paym5t-- 7i7 9 a case 9 :i* any ( !     
borr[]'s cov]$ loans1 )\t reg>d to :e!r 
! loan has be5 s rehabilitat$1 is       
eligible = an income-driv5 repaym5t     
plan-- 7,i7 7aa7 provide ! borr[] ) !   
income-driv5 repaym5t plan t requires ! 
l[e/ mon?ly paym5t am\nt = ea* cov]$    
loan ( ! borr[]1 comp>$ to any o!r su*  
plan = :i* ! borr[] is eligible2 or     
7bb7 if m ?an "o income-driv5 repaym5t  
plan w\ld (f] ! borr[] ! same l[e/      
mon?ly paym5t am\nt1 provide ! borr[] ) 
! income-driv5 repaym5t plan t has ! mo/
 favorable t]ms = ! borr[]2 &  7,,ii7 if
 ! plan select$ "u subclause 7,i7 is n !
 income-driv5 repaym5t plan t w\ld h !  
l[e/ mon?ly paym5t am\nt if ! borr[] 7  
eligible = su* plan = ! borr[]'s cov]$  
loans & noncov]$ loans1 notify ! borr[] 
( ! actions1 if any1 ! borr[] may take  

to become eligible = su* income-driv5   
repaym5t plan2 &  7ii7 9 a case 9 :i*   
none ( ! borr[]'s cov]$ loans are       
eligible = an income-driv5 repaym5t     
plan1 notify ! borr[] ( ! actions1 if   
any1 ! borr[] may take = su* a loan to  
become eligible = su* a plan4  4  7#b7  
,def9itions ,section #dee7;d7 ( ! ,high]
 ,education ,act ( #aife 7#bj ,u4,s4,c4 
#ajhg;e7d771 z am5d$ by p>agraph 7#a71  
is fur!r am5d$ by add+ at ! end !       
foll[+3  7#h7 ,def9itions ,9 ?is        
subsection3 7,a7 ,cov]$ loan ,! t]m     
cov]$ loan means-- 7i7 a loan made "u   
?is "p2  7ii7 a loan pur*as$ "u section 
#dei;,a2 or  7iii7 a loan t has be5     
assign$ to ! ,secret>y "u section       
#dbh7;c77#h74  7,b7 ,income-driv5       
repaym5t plan ,! t]m income-driv5       
repaym5t plan means a plan describ$ 9   
subp>agraph 7,d7 or 7,e7 ( p>agraph     
7#a74  7,c7 ,noncov]$ loan ,! t]m       
noncov]$ loan means a loan made1 insur$1
 or gu>ante$ "u ?is title t is n a cov]$
 loan4  4  7#c7 ,automatic              

rec]tification  7,a7 ,borr[] = :om      
adju/$ gross income is unavailable      
,section #dee7;e77#h77;,a7 ( ! ,high]   
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajhg;e7e77#h77;,a77 is am5d$-- 7i7 by  
/rik+ & at ! end ( clause 7ii72  7ii7 by
 r$esignat+ clause 7iii7 z clause 7iv72 
7iii7 9 clause 7iv7 7z s r$esignat$71 by
 /rik+ ! p]iod at ! end & ins]t+ 2 &2 & 
7iv7 by ins]t+ aft] clause 7ii71 !      
foll[+3  7iii7 9 ! case ( a borr[] :o   
has select$ to repay a cov]$ loan 7z    
def9$ 9 subsection 7d77#h77 pursuant to 
an income cont+5t repaym5t plan t def9es
 discretion>y income 9 su* a mann] t !  
borr[] w\ld h a calculat$ mon?ly paym5t 
equal to #j1 n require ! borr[] to      
provide ! ,secret>y ! in=mation describ$
 9 clause 7i7 or 7ii71 & ensure t !     
borr[] w h a calculat$ mon?ly paym5t (  
#j2 &  4  7,b7 ,inclusion ( cov]$ loans 
,section #dee7;e77#h77;,b7 ( ! ,high]   
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajhg;e7e77#h77;,b77 is am5d$ by /rik+ a
 loan made "u ?is "p & ins]t+ a cov]$   

loan 7z def9$ 9 subsection 7d77#h774    
7#d7 ,*ang+ plans ,section              
#dic;,c7b77#h7 ( ! ,high] ,education    
,act ( #aife 7#bj ,u4,s4,c4             
#ajih;e7b77#h77 is am5d$ to read z      
foll[s3  7#h7 a borr[] :o is repay+ a   
loan made1 insur$1 or gu>ante$ "u "p ,b 
or ,d pursuant to income-bas$ repaym5t  
may elect1 at any "t1 to t]m9ate        
repaym5t pursuant to income-bas$        
repaym5t & repay su* loan "u any        
repaym5t plan = :i* ! loan is eligible 9
 accordance ) ! requirem5ts ( "p ,b or  
"p ,d1 respectively2 &  4  7#e7         
,proc$ure & requirem5t = reque/+ tax    
return in=mation f ! ,,irs ,section     
#did7;a7 ( ! ,high] ,education ,act (   
#aife 7#bj ,u4,s4,c4 #ajih;h7a77 is     
am5d$-- 7,a7 9 p>agraph 7#b7-- 7i7 9    
subp>agraph 7,a71 9 ! matt] prec$+      
clause 7i71 by /rik+ a loan "u "p ,d &  
ins]t+ a cov]$ loan 7z def9$ 9 section  
#dee7;d77#h772 &  7ii7 9 subp>agraph    
7,b71 by /rik+ a loan "u "p ,d & ins]t+ 
a cov]$ loan 7z def9$ 9 section         

#dee7;d77#h772 &  7,b7 by add+ at ! end 
! foll[+3  7#d7 ,loan del9qu5cy &       
rehabilitation  7,a7 ,borr[]s del9qu5t  
on loans ,9 ! case ( an individual :o is
 a borr[] ( a cov]$ loan & :o is at lea/
 #ca days del9qu5t on su* loan1 !       
,secret>y1 ) respect to su* individual &
 any sp\se ( su* individual1 %all-- 7i7 
provide to su* individuals !            
notification describ$ 9 p>agraph        
7#a77;,a77i72 &  7ii7 require1 z a      
condition ( eligibility = ! notification
 & automatic enrollm5t proc$ures =      
borr[]s :o are del9qu5t on loans "u     
section #dee7;d77#f71 t su*             
individuals-- 7,i7 affirmatively approve
 ! disclosure describ$ 9 p>agraph       
7#a77;,a77i7 & agree t su* approval %all
 s]ve z an ongo+ approval ( su*         
disclosure until ! date on :i* !        
individual elects to opt out ( su*      
disclosure "u section                   
#dee7;d77#f77;,a77ii72 or  7,,ii7       
provide su* in=mation z ! ,secret>y may 
require to c>ry out ! proc$ures "u      

section #dee7;d77#f7 ) respect to su*   
individual4  7,b7 ,loan rehabilitation  
,9 ! case ( any writt5 or electronic    
application by an individual = !        
rehabilitation ( a cov]$ loan pursuant  
to section #dbh;,f7a71 ! ,secret>y1 )   
respect to su* individual & any sp\se ( 
su* individual1 %all-- 7i7 provide to   
su* individuals ! notification describ$ 
9 p>agraph 7#a77;,a77i72 &  7ii7        
require1 z a condition ( eligibility =  
loan rehabilitation pursuant to section 
#dbh;,f7a71 t su* individuals-- 7,i7    
affirmatively approve ! disclosure      
describ$ 9 p>agraph 7#a77;,a77i7 & agree
 t su* approval %all s]ve z an ongo+    
approval ( su* disclosure until ! date  
on :i* ! individual elects to opt out ( 
su* disclosure "u section               
#dee7;d77#g77;,a77ii72 or  7,,ii7       
provide su* in=mation z ! ,secret>y may 
require to c>ry out ! proc$ures "u      
section #dee7;d77#g7 ) respect to su*   
individual4  7,c7 ,cov]$ loan def9$ ,9  
?is p>agraph1 ! t]m cov]$ loan has !    

mean+ giv5 ! t]m 9 section #dee7;d77#h74
  4  7b7 ,secure disclosure (           
tax-,return in=mation  7#a7 ,9 g5]al    
,section #fajc7l77#ac7 ( ! ,int]nal     
,rev5ue ,code ( #aihf is am5d$ by       
r$esignat+ subp>agraphs 7,d71 7,e71 &   
7,f7 z p>agraphs 7,e71 7,f71 & 7,g71    
respectively1 & by ins]t+ aft]          
subp>agraph 7,c7 ! foll[+ new           
subp>agraph3  7,d7 ,notification &      
automatic enrollm5t = c]ta9 borr[]s ,!  
,secret>y %all1 ^u writt5 reque/ f !    
,secret>y ( ,education1 disclose to any 
au?oriz$ p]son1 only = ! purpose ( 7& to
 ! ext5t necess>y 97 c>ry+ out p>agraphs
 7#f7 & 7#g7 ( section #dee7;d7 ( !     
,high] ,education ,act ( #aife1 return  
in=mation describ$ 9 clauses 7i7 ?r\gh  
7vi7 ( subp>agraph 7,a7 f returns ( an  
individual c]tifi$ by ! ,secret>y (     
,education z hav+ provid$ approval "u   
section #did7;a77#d7 ( su* ,act 7z 9    
effect on ! date ( enactm5t ( ?is       
p>agraph7 = su* disclosure4  4  7#b7    
,con=m+ am5dm5ts  7,a7 ,section         

#fajc7l77#ac77;,a7 ( ! ,int]nal ,rev5ue 
,code ( #aihf is am5d$ by /rik+ loans "u
 "p ,d ( su* title & ins]t+ cov]$ loans 
7z def9$ 9 section #dee7;d77#h7 ( su*   
,act74  7,b7 ,section                   
#fajc7l77#ac77;,e77i7 ( ! ,int]nal      
,rev5ue ,code ( #aihf 7z r$esignat$ by  
p>agraph 7#a77 is am5d$ by /rik+ & 7,c7 
& ins]t+ 7,c71 & 7,d74  7,c7            
,subp>agraphs 7,f7 & 7,g7 ( section     
#fajc7l77#ac7 ( ! ,int]nal ,rev5ue ,code
 ( #aihf 7z r$esignat$ by p>agraph 7#a77
 are ea* am5d$ by /rik+ or 7,c7 & ins]t+
 7,c71 or 7,d74  7c7 ,effective date2   
application  7#a7 ,automatic enrollm5t  
,! am5dm5ts made by p>agraphs 7#a71     
7#b71 7#c71 & 7#e7 ( subsection 7a7     
%all-- 7,a7 apply to all borr[]s ( cov]$
 loans 7z def9$ 9 section #dee7;d77#h7 (
 ! ,high] ,education ,act ( #aife1 z    
add$ by subsection 7a772 &  7,b7 take   
effect on ,july #a1 #bjbd1 & %all apply 
) respect to aw>d ye> #bjbd-bjbe & ea*  
subsequ5t aw>d ye>1 z det]m9$ "u !      
,high] ,education ,act ( #aife4  7#b7   

,*ang+ plans ,! am5dm5t made by         
subsection 7a77#d7 %all take effect on !
 date ( enactm5t ( ?is ,act4  7#c7      
,disclosure ,! am5dm5ts made by         
subsection 7b7 %all apply to disclosures
 aft] ! date ( enactm5t ( ?is ,act4