,,ii  #aag? ,,congress  #b;d ,session   
,s4 #chbh  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,m>* #ad1 #bjbb,mr4    
,:iteh\se 7= himself & ,mr4 ,padilla7   
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on       
,f9ance  ,a ,,bill  ,to provide /ud5t   
loan =giv5ess to heal? c>e work]s :o are
 on ! front l9e 9 response to           
,,covid-#ai4  #a4 ,%ort title ,?is ,act 
may be cit$ z ! ,/ud5t ,loan ,=giv5ess =
 ,frontl9e ,heal? ,work]s ,act4  #b4    
,f$]al /ud5t loan =giv5ess = frontl9e   
heal? c>e work]s  7a7 ,=giv5ess requir$ 
,not)/&+ any o!r provision ( law1 !     
,secret>y ( ,education %all c>ry out a  
program 9 accordance ) ?is ,act to =give
 ! out/&+ balance ( int]e/ & pr9cipal   
due on ! applicable eligible ,f$]al     
/ud5t loans ( borr[]s :o are frontl9e   
heal? c>e work]s4  7b7 ,me?od ( loan    
=giv5ess ,9 c>ry+ out ! loan =giv5ess   
program requir$ "u subsection 7a71 z    
soon z practicable aft] ! ,secret>y (   
,education has confirm$ t an applicant  

is a frontl9e heal? c>e work] :o is a   
borr[] ( an eligible ,f$]al /ud5t loan1 
! ,secret>y ( ,education %all-- 7#a7    
?r\gh ! hold] ( a loan1 assume !        
obligation to repay ! out/&+ balance (  
int]e/ & pr9cipal due on ! applicable   
eligible ,f$]al /ud5t loans ( ! borr[]  
made1 insur$1 or gu>ante$ "u "p ,b (    
title ,,iv ( ! ,high] ,education ,act ( 
#aife 7#bj ,u4,s4,c4 #ajga et seq472 &  
7#b7 cancel ! out/&+ balance ( int]e/ & 
pr9cipal due on ! applicable eligible   
,f$]al /ud5t loans ( ! borr[] made "u "p
 ,d or "p ,e ( su* title4  7c7 ,repaym5t
 refunds prohibit$ ,no?+ 9 ?is section  
%all be con/ru$ to au?orize any refund+ 
( any eligible ,f$]al /ud5t loan        
repaym5t made be=e ! date a borr[]'s    
loans are =giv5 9 accordance ) ?is      
section4  7d7 ,exclusion f taxable      
income ,! am\nt ( a borr[]'s eligible   
,f$]al /ud5t loans =giv5 "u ?is section 
%all n be includ$ 9 ! gross income ( !  
borr[] = purposes ( ! ,int]nal ,rev5ue  
,code ( #aihf4  7e7 ,notice to borr[]s 9

 /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$]al /ud5t loans to include1 
a notice in=m+ ! borr[] ( ! availability
 ( ! ,f$]al /ud5t loan =giv5ess &       
private /ud5t loan repaym5t programs =  
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* programs1 & !          
application deadl9e = su* programs4  #c4
 ,private /ud5t loan repaym5t = frontl9e
 heal? c>e work]s  7a7 ,repaym5t requir$
 ,not)/&+ any o!r provision ( law1 !    
,secret>y ( ! ,treasury %all c>ry out a 
program 9 accordance ) ?is ,act "u :i* !
 ,secret>y ( ! ,treasury %all repay 9   
full ! out/&+ balance ( pr9cipal &      
int]e/ due on ! applicable eligible     
private /ud5t loans ( borr[]s :o are    
frontl9e heal? c>e work]s4  7b7 ,me?od (
 loan repaym5t ,9 c>ry+ out ! program   

requir$ "u subsection 7a71 z soon z     
practicable aft] ! ,secret>y ( !        
,treasury has confirm$ t an applicant is
 a frontl9e heal? c>e work] :o is a     
borr[] ( an eligible private /ud5t loan1
 ! ,secret>y ( ! ,treasury %all pay to !
 private educational l5d] ( ea* ( !     
applicable eligible private /ud5t loans 
( ! borr[] an am\nt equal to ! sum ( !  
unpaid pr9cipal1 accru$ unpaid int]e/1 &
 late *>ges ( su* applicable eligible   
private /ud5t loans1 z calculat$ on !   
date ( ! repaym5t ( su* loans by !      
,secret>y ( ! ,treasury1 9 ord] to      
dis*>ge ! borr[] f any rema9+ obligation
 to ! private educational l5d] ) respect
 to su* applicable eligible private     
/ud5t loans4  7c7 ,repaym5t refunds     
prohibit$ ,no?+ 9 ?is section %all be   
con/ru$ to au?orize any refund+ ( any   
repaym5t ( a loan made be=e ! date a    
borr[]'s loans are paid by ! ,secret>y (
 ! ,treasury 9 accordance ) ?is section4
  7d7 ,exclusion f taxable income ,!    
am\nt ( a borr[]'s eligible private     

/ud5t loans paid by ! ,secret>y ( !     
,treasury "u ?is section %all n be      
includ$ 9 ! gross income ( ! borr[] =   
purposes ( ! ,int]nal ,rev5ue ,code (   
#aihf4  7e7 ,notice to borr[]s 9        
/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 ( 
! ,/ud5t ,loan ,=giv5ess = ,frontl9e    
,heal? ,work]s ,act1 ! private          
educational l5d] %all include a notice  
in=m+ ! borr[] ( ! availability ( !     
,f$]al /ud5t loan =giv5ess & private    
/ud5t loan repaym5t programs = frontl9e 
heal? c>e work]s "u ! ,/ud5t ,loan      
,=giv5ess = ,frontl9e ,heal? ,work]s    
,act1 includ+ :]e to f9d in=mation ab\t 
h[ to qualify z a frontl9e heal? c>e    
work]1 h[ to apply to su* programs1 & ! 
application deadl9e = su* programs4  4  
#d4 ,coord9at$ program requirem5ts ,!   

,secret>ies conc]n$ %all jo9tly develop 
! programs requir$ "u section #b &      
section #c ( ?is ,act1 & %all coord9ate 
& consult ) "o ano!r 9 c>ry+ out su*    
programs to ensure t-- 7#a7 det]m9ations
 ( eligibility are uni=m & consi/5t     
across bo? programs2  7#b7 frontl9e     
heal? c>e work]s :o are borr[]s ( bo?   
eligible ,f$]al /ud5t loans & eligible  
private /ud5t loans may apply = bo? loan
 =giv5ess "u section #b & loan repaym5t 
"u section #c ) submission ( only "o    
application2  7#c7 borr[]s ) out/&+     
eligible ,f$]al /ud5t loans & borr[]s ) 
out/&+ eligible private /ud5t loans are 
notifi$ ( ! availability ( bo? programs 
requir$ "u ?is ,act2 &  7#d7 su*        
programs are made available to frontl9e 
heal? c>e work]s :o 7 borr[]s ( eligible
 ,f$]al /ud5t loans1 eligible private   
/ud5t loans1 or bo?1 & :o di$ z a result
 ( ! coronavirus1 to relieve ! families 
& e/ates ( su* deceas$ frontl9e heal?   
c>e work]s ( ! burd5 ( ! /ud5t loans ( !
 su* work]s4  #e4 ,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$]al /ud5t loans1 out/&+    
eligible private /ud5t loans1 or bo?1   
are aw>e ( ! loan =giv5ess & loan       
repaym5t programs au?oriz$ 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$]al 
/ud5t loans1 eligible private /ud5t     
loans1 or bo?2  7#b7 be easily          
und]/&able2 &  7#c7 cle>ly notify       
borr[]s t to be consid]$ = loan =giv5ess
 or loan repaym5t 7or bo?7 "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 #f4
  #f4 ,application & det]m9ation (      
eligibility  7a7 ,application p]iod ,an 
individual may apply = loan =giv5ess "u 

section #b1 loan repaym5t "u section #c1
 or bo?1 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 ( !       
qualify+ p]iod4  7b7 ,det]m9ation (     
eligibility  7#a7 ,developm5t (         
application ,n lat] ?an #fj 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    
#g71 develop "o application = borr[]s ( 
bo? eligible ,f$]al /ud5t loans &       
eligible private /ud5t loans to apply = 
loan =giv5ess or loan repaym5t1 or bo?1 
"u ?is ,act4  7#b7 ,application         
requirem5ts ,! application requir$ "u   
p>agraph 7#a7 may only include su*      
in=mation z is necess>y = ! ,secret>ies 
conc]n$ to make a det]m9ation ( :e!r !  
applicant-- 7,a7 is a frontl9e heal? c>e
 work]1 )\t consid]ation ( ! p]iod ( "t 

! applicant s]v$ z su* a work]2 &  7,b7 
is a borr[] ( an applicable eligible    
,f$]al /ud5t loan1 an applicable        
eligible private /ud5t loan1 or bo?4    
7#c7 ,det]m9ation ,n lat] ?an #cj days  
aft] ! date on :i* ! ,secret>ies conc]n$
 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 applicable eligible
 ,f$]al /ud5t loan1 an applicable       
eligible private /ud5t loan1 or bo?1 !n 
notify ! individual ( su* confirmation1 
& grant ! individual loan =giv5ess or   
loan repaym5t1 or bo?1 9 accordance )   
sections #b & #c ( ?is ,act2 or  7,b7   
det]m9e t su* individual is n a frontl9e
 heal? c>e work] :o is a borr[] ( an    
applicable eligible ,f$]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 #g1 & !    
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 or loan repaym5t1 or bo?1 9    
accordance ) sections #b & #c ( ?is ,act
 n lat] ?an #cj days aft] ! ,secret>ies 
conc]n$ are notifi$ ( ! outcome ( !     
appeal by ! ,int]gov]nm5tal ,work+      
,gr\p4  #g4 ,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 ( ! programs 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$ure or li/ (        
requirem5ts to det]m9e :e!r an          
individual has made significant         
contributions to ! m$ical response to ! 
qualify+ em]g5cy = purposes ( det]m9+   
:e!r ! individual is a frontl9e heal?   
c>e work] z def9$ 9 section #i7a77;,c72 
7#b7 det]m9e :at in=mation an individual
 ne$s to provide = ! ,secret>ies conc]n$
 to det]m9e :e!r ! 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 #i7a77;,b72  7#c7 n lat] ?an #ae
 days aft] ! date on :i* ! ,c\ncil is   
e/abli%$1 report ! in=mation describ$ 9 
p>agraphs 7#a7 & 7#b7 to ! ,secret>ies  
conc]n$ = inclusion 9 ! application     
develop$ 9 accordance ) section         
#f7;b77#a72  7#d7 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 or loan repaym5t 7or bo?7 "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#e7 ^u ! reque/ = an appeal by an  
applicant describ$ 9 p>agraph 7#d71 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  #h4       
,t]m9ation ( au?ority ,! au?ority ( !   
,secret>ies conc]n$ to c>ry out ! loan  
=giv5ess program "u section #b & loan   
repaym5t program "u section #c1 & !     
au?ority ( ! ,int]gov]nm5tal ,work+     
,gr\p to c>ry out ! activities au?oriz$ 

"u section #g1 %all cease on ! date t is
 #ahj days aft] ! end date ( !          
application p]iod describ$ 9 section    
#f7;a74  #i4 ,def9itions ,9 ?is ,act3   
7#a7 ,applicable loan ,= ! purposes (   
?is ,act1 ! t]m applicable loan1 :5 us$ 
) respect to an eligible ,f$]al /ud5t   
loan or an eligible private /ud5t loan1 
means-- 7,a7 9 ! case ( a frontl9e heal?
 c>e work] :o has obta9$ a graduate     
education degree or c]tificate-- 7i7 any
 eligible ,f$]al /ud5t loan = ! graduate
 education ( su* work] 7includ+ a       
consolidation loan1 to ! ext5t t su*    
consolidation loan 0 us$ to repay loans 
= graduate education72 &  7ii7 any      
eligible private /ud5t loan = ! graduate
 education ( su* work]2 or  7,b7 9 !    
case ( a frontl9e heal? c>e work] :o has
 n obta9$ a graduate education degree or
 c]tificate-- 7i7 any eligible ,f$]al   
/ud5t loan = ! und]graduate education ( 
su* work] 7includ+ a consolidation loan1
 to ! ext5t t su* consolidation loan 0  
us$ to repay loans = und]graduate       

education71 provid$ t su* loan 0 us$ =  
und]graduate education 9 a relevant     
heal? c>e program ( /udy t is necess>y =
 an individual to ent] or advance )9 !  
specific heal? c>e-relat$ occupation ( !
 work]2 &  7ii7 any eligible private    
/ud5t loan = ! und]graduate education ( 
su* work]1 provid$ t su* loan 0 us$ =   
und]graduate education 9 a relevant     
heal? c>e program ( /udy t is necess>y =
 an individual to ent] or advance )9 !  
specific heal? c>e-relat$ occupation ( !
 work]4  7#b7 ,coronavirus ,! t]m       
coronavirus has ! mean+ giv5 ! t]m 9    
section #ejf ( ! ,coronavirus           
,prep>$ness & ,response ,supplem5tal    
,appropriations ,act1 #bjbj 7,public    
,law #aaf-abc74  7#c7 ,,covid-relat$    
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+ a consolidation loan "u su*    
title4  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 9     
ex*ange = paym5t or z a volunte]1 = any 
p]iod dur+ a qualify+ em]g5cy-- 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   
,graduate education ,! t]m graduate     
education means a po/baccalaureate      
program ( /udy at an in/itution ( high] 
education t-- 7,a7 leads to a ma/]'s    
degree2  7,b7 leads to a doctoral       
degree2 or  7,c7 does n lead to a       
graduate degree1 b aw>ds or is necess>y 
to obta9 a pr(essional c]tification or  
lic5s+ cr$5tial t is requir$ =          
employm5t4  7#h7 ,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#i7    
,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#aj7  
,qualify+ em]g5cy ,! t]m qualify+       

em]g5cy means-- 7,a7 a public heal?     
em]g5cy relat$ to ! coronavirus decl>$  
by ! ,secret>y ( ,heal? & ,human        
,s]vices pursuant to section #cai ( !   
,public ,heal? ,s]vice ,act 7#db        
,u4,s4,c4 #bdg;d72  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#aa7 ,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  7#ab7 ,und]graduate        

education ,! t]m und]graduate education 
means a po/second>y program ( /udy at an
 in/itution ( high] education t-- 7,a7  
leads to an associate's degree2  7,b7   
leads to a baccalaureate degree2 or     
7,c7 does n lead to an associate's or   
baccalaureate degree1 b aw>ds or is     
necess>y to obta9 a c]tification or     
lic5s+ cr$5tial t is requir$ =          
employm5t4