,,ii  #aag? ,,congress  #b;d ,session   
,s4 #deha  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,july #ba1 #bjbb,mr4   
,m55dez introduc$ ! foll[+ bill2 :i* 0  
read twice & ref]r$ to ! ,committee on  
,heal?1 ,education1 ,labor1 & ,p5sions  
,a ,,bill  ,to improve ! public s]vice  
loan =giv5ess program "u section #dee7m7
 ( ! ,high] ,education ,act ( #aife1 to 
improve loan =giv5ess eligibility       
provisions "u su* ,act = tea*]s1 & = o!r
 purposes4  #a4 ,%ort title ,?is ,act   
may be cit$ z ! ,second ,*ance at       
,public ,s]vice ,loan ,=giv5ess ,act4   
#b4 ,f9d+s ,congress f9ds ! foll[+3 7#a7
 ,! public s]vice loan =giv5ess program 
"u section #dee7m7 ( ! ,high] ,education
 ,act ( #aife 7#bj ,u4,s4,c4 #ajhg;e7m77
 0 creat$ 9 #bjjg to attract individuals
 to public s]vice by =giv+ an           
individual's ,f$]al loans "u "p ,d (    
title ,,iv ( ! ,high] ,education ,act ( 
#aife 7#bj ,u4,s4,c4 #ajga et seq42 #bj 
,u4,s4,c4 #ajhg;a et seq47 aft] #aj ye>s
 ( employm5t 9 areas ( national ne$4    

7#b7 ,^! public s]vice c>e]s1 :i*       
include employm5t 9 milit>y1 em]g5cy    
managem5t1 gov]nm5t1 public safety1 law 
en=cem5t1 public heal?1 education1 *ild 
c>e1 social "w1 s]vices = individuals ) 
disabilities1 s]vices = ! eld]ly1 public
 int]e/ legal s]vices1 & libr>y sci5ces1
 pay sub/antially less ?an simil> c>e]s 
9 ! private sector4  7#c7 ,! public     
sector also repeat$ly exp]i5ces work=ce 
%ortages1 especially foll[+ !           
,,covid-#ai p&emic4  7#d7 ,an           
und]graduate degree1 c]tification1 or   
advanc$ degree is a pr]equisite to ent] 
or advance 9 ^! public s]vice c>e]s4    
,yet1 rese>* sugge/s t ! prospect (     
sev]al decades ( /ud5t loan paym5ts (t5 
det]s individuals f pursu+ c>e]s 9      
public s]vice4  7#e7 ,! public s]vice   
loan =giv5ess program has sub/antially  
fail$4 ,9 #bjah1 #ii p]c5t ( ! borr[]s  
:o appli$ = relief "u ! program 7 d5i$  
due to improp] type ( loans1 employm5t1 
or repaym5t plan1 or ! numb] ( paym5ts t
 !y _h made4  7#f7 ,advocates & en=cem5t

 ag5cies1 includ+ #ch ,/ate ,attorneys  
,g5]al & ! ,bureau ( ,consum] ,f9ancial 
,protection1 h repeat$ly f\nd t all ( ! 
major ,f$]al /ud5t loan s]vic]s provid$ 
inaccurate in=mation to borr[]s :o 7    
int]e/$ 9 or rely+ ^u ! public s]vice   
loan =giv5ess program4 ,!y also f\nd t  
s]vic]s repeat$ly /e]$ borr[]s away f   
public s]vice loan =giv5ess into high]  
mon?ly paym5ts & into def]m5t &         
=be>ances4  7#g7 ,?is has caus$ millions
 ( public s]vants irrep>able economic   
h>m1 includ+ prev5t+ !m f buy+ a home1  
op5+ a small bus9ess1 />t+ a family1 or 
retir+1 because ( _! /ud5t debt4  7#h7  
,despite ! rec5t actions ( ,presid5t    
,bid5's adm9i/ration to improve ! public
 s]vice loan =giv5ess program1 ^!       
actions are limit$ & w n fully atone = !
 repeat$1 p]vasive1 & sy/emic actions by
 ,f$]al /ud5t loan s]vic]s to prev5t    
public s]vants f fully b5efitt+ f ?is   
program4  #c4 ,mak+ =giv5ess atta9able =
 public sector work]s ,section #dee7m7 (
 ! ,high] ,education ,act ( #aife 7#bj  

,u4,s4,c4 #ajhg;e7m77 is am5d$-- 7#a7 by
 /rik+ p>agraph 7#a7 & ins]t+ ! foll[+3 
7#a7 ,9 g5]al ,! ,secret>y %all cancel !
 balance ( int]e/ & pr9cipal due1 9     
accordance ) p>agraph 7#b71 on any      
eligible ,f$]al ,direct ,loan n 9       
default = a borr[] :o-- 7,a7 obta9$ an  
eligible ,f$]al ,direct ,loan2 &  7,b7  
has be5 employ$ full-"t 9 public s]vice1
 beg9n+ on or aft] ,janu>y #a1 #aiid1 = 
a total p]iod ( #aj ye>s or m aft] !    
date on :i* ! fir/ eligible ,f$]al      
,direct ,loan 0 obta9$4  2  7#b7 by     
r$esignat+ p>agraphs 7#c7 & 7#d7 z      
p>agraphs 7#e7 & 7#f71 respectively2    
7#c7 by ins]t+ aft] p>agraph 7#b7 !     
foll[+3  7#c7 ,special rules relat+ to  
employm5t ,= purposes ( ?is subsection1 
volunte] s]vice z an ,ameri,corps or    
,peace ,corps volunte]1 z describ$ 9    
subclause 7,,iii7 or 7,,iv7 ( p>agraph  
7#e77;,c77i71 %all be deem$ to be       
employm5t4  7#d7 ,special rule = c]ta9  
loans & borr[]s  7,a7 ,p>5t ,plus loans 
,9 ! case ( a borr[] ( an eligible      

,f$]al ,direct ,loan t is on behalf ( a 
/ud5t1 any public s]vice employm5t      
requir$ "u ?is subsection may be        
complet$ by ! borr[] or by ! /ud5t on ^:
 behalf ! loan 0 made4  7,b7 ,special   
rules = ,f$]al ,direct ,consolidation   
loans  7i7 ,9 g5]al ,a borr[] :o has    
obta9$ an eligible ,f$]al ,direct ,loan 
t is a ,f$]al ,direct ,consolidation    
,loan t includes a loan made1 insur$1 or
 gu>ante$ "u "p ,b or "p ,e %all receive
 cr$it "u p>agraph 7#a7 = any ye>s (    
full-"t employm5t 9 public s]vice t     
occurr$ :ile ! borr[] _h a compon5t loan
 ( ! ,f$]al ,direct ,consolidation      
,loan4  7ii7 ,special rules = jo9t      
borr[]s ,! ,secret>y %all all[ ! borr[]s
 ( a ,jo9t ,consolidation ,loan or a    
,jo9t ,direct ,consolidation ,loan :o   
are employ$ 9 a public s]vice job to    
consolidate su* loan into a ,f$]al      
,direct ,consolidation ,loan 9 ord] to  
receive loan cancellation pursuant to   
?is subsection4  2 &  7#d7 by /rik+     
p>agraph 7#e71 z r$esignat$ by p>agraph 

7#b71 & ins]t+ ! foll[+3  7#e7          
,def9itions ,9 ?is subsection3 7,a7     
,eligible ,f$]al direct loan ,! t]m     
eligible ,f$]al ,direct ,loan means a   
,f$]al ,direct ,/af=d ,loan1 ,f$]al     
,direct ,unsubsidiz$ ,loan1 ,f$]al      
,direct ,,plus ,loan 7includ+ su* loan  
made on behalf ( a /ud5t71 or ,f$]al    
,direct ,consolidation ,loan4  7,b7     
,full-"t ,! t]m full-"t1 :5 us$ )       
respect to employm5t 9 public s]vice1   
means work+ 9 public s]vice employm5t 9 
"o or m jobs = a total (-- 7i7 n less   
?an #cj h\rs a week2  7ii7 9 ! case (   
any =m ( educational public s]vice      
employm5t t is "u a contract = n less   
?an #h mon?s1 n less ?an #cj h\rs p]    
week dur+ ! contract p]iod2 or  7iii7 9 
! case ( employm5t z an adjunct1        
cont+5t1 or "p-"t faculty memb]1 tea*]1 
or lectur] :o is paid solely = ! cr$it  
h\rs taught at an in/itution ( high]    
education1 ! equival5t ( #cj h\rs p]    
week det]m9$ by multiply+ ea* cr$it or  
contract h\r taught p] week by #c4ce4   

7,c7 ,public s]vice  7i7 ,9 g5]al ,! t]m
 public s]vice means-- 7,i7 employm5t ) 
a qualify+ employ] describ$ 9 clause 7i7
 or 7ii7 ( subp>agraph 7,d72  7,,ii7    
employm5t ) a qualify+ employ] describ$ 
9 subp>agraph 7,d77iii7 t-- 7aa7        
provides direct s]vices to ! public     
?r\gh its employees2 &  7bb7 has devot$ 
a majority ( its full-"t equival5t      
employees to work+ 9 n less ?an #a ( !  
foll[+ areas3 7,,aa7 ,e>ly *ildhood     
education programs4 7,,bb7 ,em]g5cy     
managem5t4 7,,cc7 ,law en=cem5t4 7,,dd7 
,milit>y s]vice4 7,,ee7 ,o!r s*ool-bas$ 
s]vices4 7,,ff7 ,public education       
7includ+ high] education74 7,,gg7       
,public heal?4 7,,hh7 ,public int]e/ law
 s]vices4 7,,ii7 ,public libr>y s]vices4
 7,,jj7 ,public safety4 7,,kk7 ,public  
s]vices = individuals ) disabilities or 
public s]vices = ! eld]ly4 7,,ll7 ,s*ool
 libr>y s]vices2  7,,iii7 satisfactory  
s]vice z a ,peace ,corps volunte] 9     
accordance ) section #e ( ! ,peace      
,corps ,act 7#bb ,u4,s4,c4 #bejd72 or   

7,,iv7 successful s]vice z a p>ticipant 
9 a position describ$ 9 section #abc ( !
 ,national & ,community ,s]vice ,act (  
#aiij 7#db ,u4,s4,c4 #abegc74  7ii7     
,additional def9itions ,= purposes (    
clause 7i73 7,i7 ,em]g5cy managem5t     
s]vices ,! t]m em]g5cy managem5t s]vices
 means s]vices t help rem$iate1 less51  
or elim9ate ! effects or pot5tial       
effects ( em]g5cies t ?reat5 human life 
or heal? or real prop]ty4  7,,ii7 ,law  
en=cem5t ,! t]m law en=cem5t means      
s]vices p]=m$ by an employee ( a public 
s]vice organization t is publicly fund$ 
& ^: pr9cipal activities p]ta9 to crime 
prev5tion1 control or r$uction ( crime1 
or ! en=cem5t ( crim9al law4  7,,iii7   
,milit>y s]vice ,! t]m milit>y s]vice   
means provid+ s]vice to or on behalf (  
memb]s1 vet]ans1 or ! families or       
survivors ( memb]s or vet]ans ( ! ,arm$ 
,=ces1 includ+ ! ,national ,gu>d1 t is  
provid$ to a p]son because ( ! p]son's  
/atus 9 ! ,arm$ ,=ces or ,national      
,gu>d4  7,,iv7 ,o!r s*ool-bas$ s]vices  

,! t]m o!r s*ool-bas$ s]vices means an  
employee ( a ,/ate1 or ( any political  
division ( a ,/ate1 or an employee ( a  
nonpr(it organization1 :o works 9 any   
grade f prek9d]g>t5 ?r\gh grade #ab 9   
any ( ! foll[+ occupational specialties3
 7aa7 ,p>apr(essional s]vices1 includ+  
p>a$ucator s]vices4  7bb7 ,cl]ical &    
adm9i/rative s]vices4  7cc7             
,transportation s]vices4  7dd7 ,food &  
nutrition s]vices4  7ee7 ,cu/odial &    
ma9t5ance s]vices4  7ff7 ,security      
s]vices4  7gg7 ,heal? & /ud5t s]vices4  
7hh7 ,te*nical s]vices4  7ii7 ,skill$   
trades4  7,v7 ,public education ,! t]m  
public education means-- 7aa7 !         
provision ( educational enri*m5t or     
support to /ud5ts 9 a s*ool or a s*ool-l
 sett+1 includ+ tea*+2 &  7bb7 tea*+ z a
 full-"t faculty memb] at a ,tribal     
,college or ,univ]sity1 z def9$ 9       
section #caf7;b71 & o!r faculty tea*+ 9 
high-ne$s subject areas or areas (      
%ortage 7includ+ nurse faculty1 =eign   
language faculty1 & "p-"t faculty at    

community colleges71 z det]m9$ by !     
,secret>y4  7,,vi7 ,! t]m public heal?  
means-- 7aa7 s]vices provid$ by         
physicians1 nurses 7includ+ nurses 9 a  
cl9ical sett+71 & nurse practition]s2 & 
7bb7 s]vices provid$ by heal? c>e       
practition] occupations1 heal? c>e      
support occupations1 & c\nselors1 social
 work]s1 & o!r community & social s]vice
 speciali/ occupations1 z ^? t]ms are   
def9$ by ! ,bureau ( ,labor ,/ati/ics4  
7,,vii7 ,! t]m public int]e/ law means  
legal s]vices or legal advocacy provid$ 
by a nonpr(it organization1 b excludes  
s]vices provid$ by individuals :o are   
regi/]$ lobbyi/s at ! ,f$]al1 ,/ate1 or 
local level4  7,,viii7 ,! t]m public    
libr>y s]vices means ! op]ation ( public
 libr>ies or s]vices t support _!       
op]ation4  7,,ix7 ,! t]m public safety  
s]vices means s]vices t seek to prev5t !
 ne$ = em]g5cy managem5t s]vices4  7,x7 
,! t]m public s]vices = individuals )   
disabilities means s]vices p]=m$ =1 or  
to assi/1 individuals ) disabilities 7z 

def9$ 9 section #c ( ! ,am]icans )      
,disabilities ,act ( #aiij 7#db         
,u4,s4,c4 #abajb77 t is provid$ to an   
individual because ( ! individual's     
/atus z an individual ) a disability4   
7,,xi7 ,! t]m public s]vice = ! eld]ly  
means s]vices t are provid$ to          
individuals :o are ag$ #ei4e ye>s or    
old] & t are provid$ to an individual   
because ( ! individual's /atus z an     
individual ( t age1 includ+ s]vices     
relat$ to retirem5t plans1 p5sions1     
social security1 retiree heal? plans1 or
 ,m$icaid4  7,,xii7 ,! t]m s*ool libr>y 
s]vices means ! op]ations ( s*ool       
libr>ies or s]vices t support _!        
op]ation4  7,d7 ,qualify+ employ] ,! t]m
 qualify+ employ] means-- 7i7 a ,f$]al1 
,/ate1 ,tribal1 local1 int]gov]nm5tal1  
or regional gov]nm5tal organization1    
ag5cy1 or entity bas$ or headqu>t]$ 9 ! 
,unit$ ,/ates1 includ+ ! ,arm$ ,=ces1   
,national ,gu>d1 ,m]*ant ,m>9es1 or     
,coa/ ,gu>d2  7ii7 a nonpr(it           
organization t is qualifi$ "u section   

#eja7;c77#c7 ( ! ,int]nal ,rev5ue ,code 
( #aihf2 or  7iii7 a nonpr(it           
organization t is qualifi$ "u section   
#eja7;a7 ( su* ,code1 ) respect to an   
employee 9 public s]vice employm5t4  4  
#d4 ,loan =giv5ess = tea*]s ,! ,high]   
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajja et seq47 is am5d$-- 7#a7 9 section
 #dbh;,j7g77#b7 7#bj ,u4,s4,c4          
#ajgh-aj7;g77#b77-- 7,a7 9 subp>agraph  
7,a71 by ins]t+ or aft] ! semicolon at !
 end2  7,b7 by /rik+ subp>agraph 7,b72 &
  7,c7 by r$esignat+ subp>agraph 7,c7 z 
subp>agraph 7,b72  7#b7 9 p>agraph 7#g7 
( section #dee7m7 7#bj ,u4,s4,c4        
#ajhg;e7m771 z am5d$ by section #c7b71  
by /rik+ bo? ?is subsection & section   
#dbh;,j1 #dbh,k1 #dbh,l1 or #dfj &      
ins]t+ bo? ?is subsection & section     
#dbh,k or #dbh,l2 &  7#c7 9 section     
#dfj7;g77#b7 7#bj ,u4,s4,c4             
#ajhg;j7g77#b77-- 7,a7 9 subp>agraph    
7,a71 by ins]t+ or aft] ! semicolon at !
 end2  7,b7 by /rik+ subp>agraph 7,b72 &
  7,c7 by r$esignat+ subp>agraph 7,c7 z 

subp>agraph 7,b74