,,ii  #aag? ,,congress  #b;d ,session   
,s4 #dhfg  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,septemb] #ae1         
#bjbb,mr4 ,lujn 7= himself1 ,mr4        
,m55dez1 ,mrs4 ,fe9/e91 ,mr4 ,m]kley1   
,mr4 ,wyd51 ,mr4 ,casey1 ,mr4 ,padilla1 
,mr4 ,van ,holl51 ,mr4 ,book]1 ,ms4     
,baldw91 ,mr4 ,re$1 ,mr4 ,he9ri*1 ,mr4  
,blum5?al1 ,mr4 ,m>key1 ,mr4 ,kelly1 &  
,ms4 ,duckwor?7 introduc$ ! foll[+ bill2
 :i* 0 read twice & ref]r$ to !         
,committee on ,heal?1 ,education1       
,labor1 & ,p5sions  ,a ,,bill  ,to      
provide enhanc$ /ud5t loan relief to    
educators4  #a4 ,%ort title ,?is ,act   
may be cit$ z ! ,loan ,=giv5ess =       
,educators ,act ( #bjbb4  #b4 ,loan     
=giv5ess & cancellation = educators  7a7
 ,enhanc$ tea*] loan =giv5ess "u !      
,,ffel program ,section #dbh;,j ( !     
,high] ,education ,act ( #aife 7#bj     
,u4,s4,c4 #ajgh-aj7 is am5d$ to read z  
foll[s3  #dbh;,j4 ,loan =giv5ess =      
educators  7a7 ,purpose ,x is ! purpose 
( ?is section to enhance /ud5t access to

 a well-prep>$1 div]se1 & /able educator
 work=ce by elim9at+ debt burd5s =      
educators 9 return = s]vice tea*+ &     
lead+ 9 high ne$ s*ools or e>ly *ildhood
 education programs4  7b7 ,program      
au?oriz$ ,n lat] ?an #bgj days aft] !   
date ( enactm5t ( ! ,loan ,=giv5ess =   
,educators ,act ( #bjbb1 ! ,secret>y    
%all c>ry out a program1 ?r\gh ! hold] (
 ! loan1 ( assum+1 z requir$ "u         
subsection 7c71 ! obligation to repay a 
cov]$ loan = qualify+ educators engag$ 9
 qualify+ s]vice4 ,a qualify+ educator  
may apply = ! program "u ?is section    
aft] ! ,secret>y has begun c>ry+ out !  
program4  7c7 ,=giv5ess ( cov]$ loans   
7#a7 ,=giv5ess ( loans ^u completion (  
qualify+ s]vice  7,a7 ,9 ,g5]al ,= ea*  
qualify+ educator :o has complet$ #e    
ye>s ( qualify+ s]vice 7includ+ any     
qualify+ s]vice1 z def9$ "u ?is section 
z 9 effect aft] ! date ( implem5tation (
 ! ,loan ,=giv5ess = ,educators ,act (  
#bjbb1 t may h be5 complet$ or p]=m$    
be=e or aft] su* date ( implem5tation1  

or a comb9ation ( qualify+ s]vice71 !   
,secret>y %all assume ! obligation to   
repay an am\nt equal to #ajj p]c5t ( !  
aggregate ( ! loan obligations 7includ+ 
int]e/ & fees7 on all cov]$ loans t are 
out/&+ z ( ! date ( completion ( su*    
fif? ye> ( qualify+ s]vice4  7,b7 ,tim+ 
,! ye>s ( qualify+ s]vice requir$ "u    
subp>agraph 7,a7 may be consecutive or  
nonconsecutive1 & ! qualify+ educator   
may elect :i* ye>s ( qualify+ s]vice to 
use = purposes ( subp>agraph 7,a74  7#b7
 ,mon?ly loan =giv5ess ,^u application  
by any qualify+ educator :o has a cov]$ 
loan & :o is engag$ 9 qualify+ s]vice1 &
 9 addition to any loan =giv5ess "u     
p>agraph 7#a71 ! ,secret>y %all ent]    
into an agreem5t ) su* qualify+         
educator1 "u :i*-- 7,a7 dur+ ! p]iod (  
qualify+ s]vice 7= qualify+ s]vice t    
occurs aft] ! date ( implem5tation ( ?is
 ,act71 ! ,secret>y agrees to assume !  
obligation to repay ! m9imum mon?ly     
obligation on all cov]$ loans ( !       
qualify+ educator1 bas$ on ! repaym5t   

plan select$ by ! qualify+ educator1 =--
 7i7 ea* mon? ( qualify+ s]vice2 &  7ii7
 any summ] or o!r s*ool or program ye>  
cal5d> breaks s*$ul$ by a high ne$ s*ool
 or e>ly *ildhood education program dur+
 a s*ool or program ye> 9 :i* ! qualify+
 educator is engag$ 9 qualify+ s]vice2  
7,b7 dur+ ! p]iod ( qualify+ s]vice1 !  
assumption ( ! mon?ly loan obligation   
provid$ w s]ve z a mon?ly paym5t1       
consid]$ paid 9 full by ! qualify+      
educator1 bas$ on ! repaym5t plan       
select$ by ! qualify+ educator 7:i*1 if 
! qualify+ educator *ooses1 %all include
 any income driv5 repaym5t plan72 &     
7,c7 dur+ ! p]iod ( qualify+ s]vice1 ea*
 mon?ly obligation t is repaid by !     
,secret>y "u ?is p>agraph on a cov]$    
loan %all be deem$ to be a qualify+     
mon?ly paym5t made by ! qualify+        
educator = purposes ( ! loan =giv5ess   
program "u section #dee7m71 if          
applicable4  7#c7 ,application ,!       
,secret>y %all develop & make publicly  
available an application = qualify+     

educators :o wi% to receive loan        
=giv5ess "u ?is subsection4 ,!          
application %all-- 7,a7 be available =  
qualify+ educators to file = loan       
=giv5ess "u p>agraph 7#a7 & = mon?ly    
loan =giv5ess "u p>agraph 7#b72  7,b7   
include any c]tification requirem5ts t !
 ,secret>y det]m9es are necess>y to     
v]ify qualify+ s]vice2 &  7,c7 all[ = ! 
v]ification ( ! qualify+ s]vice-- 7i7 9 
! case ( an e>ly *ildhood educator or an
 elem5t>y or second>y s*ool tea*] s]v+ 9
 a high ne$ s*ool1 by a s*ool lead] or !
 adm9i/rator ( a local educational      
ag5cy1 educational s]vice ag5cy1 ,bureau
 ( ,indian ,education1 ,native ,hawaiian
 education sy/em1 or ,/ate educational  
ag5cy t s]ves ! s*ool 7or !             
adm9i/rator's designee72  7ii7 9 ! case 
( an e>ly *ildhood educator s]v+ 9 an   
e>ly *ildhood education program1 by !   
director ( t program 7or ! director's   
designee72  7iii7 9 ! case ( a s*ool    
lead] s]v+ 9 a high ne$ s*ool1 by !     
adm9i/rator ( a local educational ag5cy1

 educational s]vice ag5cy1 ,bureau (    
,indian ,education1 ,native ,hawaiian   
education sy/em1 or ,/ate educational   
ag5cy t s]ves ! s*ool 7or !             
adm9i/rator's designee72  7iv7 9 ! case 
( a director ( an e>ly *ildhood         
education program1 a lead] ( ! entity   
ov]see+ ! e>ly *ildhood education       
program2 &  7v7 9 ! case ( a family *ild
 c>e provid] or ! director ( an e>ly    
*ildhood education program t op]ates z a
 /&alone c5t]-bas$ program 7= example1 a
 case 9 :i* ! c5t] is n "p ( a l>g]     
company7 t is an e>ly *ildhood education
 program1 by self-c]tification )        
support+ docum5ts1 su* z a bus9ess      
lic5se1 a li/+ ) a public ,*ild ,c>e    
,res\rces & ,ref]ral website1 or pro( ( 
p>ticipation 9 a ,f$]al *ild c>e or     
pres*ool subsidy program4  7#d7 ,p>5t   
plus loans  7,a7 ,p>5t ,,plus ,loan on  
behalf ( a /ud5t :o is a qualify+       
educator ,a borr[] ( a p>5t loan "u     
section #dbh;,b issu$ on behalf ( a     
/ud5t :o is a qualify+ educator %all    

qualify = loan =giv5ess & any o!r       
b5efits "u ?is section = ! qualify+     
s]vice ( ! /ud5t 9 ! same mann] & to !  
same ext5t z ! /ud5t borr[] qualifies = 
su* loan =giv5ess & o!r b5efits4  7,b7  
,p>5t ,,plus ,loan borr[$ by a p>5t :o  
is a qualify+ educator ,! borr[] ( a    
p>5t loan "u section #dbh;,b issu$ on   
behalf ( a /ud5t :o is n a qualify+     
educator %all also qualify = loan       
=giv5ess & any o!r b5efits "u ?is       
section = qualify+ s]vice if t p>5t     
borr[] is engag$ 9 qualify+ s]vice &    
meets ! requirem5ts ( ?is section4  7#e7
 ,recipi5ts ( ,prior ,=giv5ess ,a       
qualify+ educator :o receiv$ loan       
=giv5ess "u ?is section z 9 effect be=e 
! date ( enactm5t ( ! ,loan ,=giv5ess = 
,educators ,act ( #bjbb-- 7,a7 %all be  
eligible = loan =giv5ess ( cov]$ loans 9
 accordance ) p>agraph 7#a71 includ+ any
 rema9+ cov]$ loans2 &  7,b7 may c\nt ! 
s]vice complet$ t qualifi$ ! qualify+   
educator = previ\s loan =giv5ess z      
qualify+ s]vice = purposes ( p>agraph   

7#a74  7#f7 ,prohibition on requir+     
repaym5t ,a qualify+ educator %all n be 
requir$ to repay any am\nts paid "u ?is 
subsection if t qualify+ educator :o    
engages 9 qualify+ s]vice ends !        
qualify+ s]vice be=e ! end ( a s*ool or 
program ye>1 or be=e ! end ( ! #e-ye>   
p]iod describ$ 9 p>agraph 7#a74  7d7    
,regulations ,! ,secret>y is au?oriz$ to
 issue su* regulations z may be necess>y
 to c>ry out ! provisions ( ?is section4
  7e7 ,con/ruction ,no?+ 9 ?is section  
%all be con/ru$ to au?orize any refund+ 
( any repaym5t ( a loan4  7f7 ,li/  7#a7
 ,9 g5]al ,! ,secret>y1 %all-- 7,a7 z   
soon z practicable1 produce & make      
publicly available a li/ ( high ne$     
s*ools = purposes ( ?is section2 &  7,b7
 annually update su* li/4  7#b7 ,li/ f  
previ\s ye> ,if ! li/ ( high ne$ s*ools 
9 :i* a qualify+ educator may p]=m      
qualify+ s]vice is n available be=e ,may
 #a ( any ye>1 ! ,secret>y may use ! li/
 = ! ye> prec$+ ! ye> = :i* !           
det]m9ation is made to make a           

det]m9ation ab\t :e!r an individual     
meets ! requirem5ts = qualify+ s]vice4  
7g7 ,additional eligibility provisions  
7#a7 ,cont9u$ eligibility ,any qualify+ 
educator :o p]=ms qualify+ s]vice 9 a   
s*ool t-- 7,a7 is a high ne$ s*ool 9 any
 s*ool ye> dur+ su* s]vice2 &  7,b7 9 a 
subsequ5t s*ool ye> fails to meet !     
def9ition ( a high ne$ s*ool1  may      
cont9ue to s]ve 9 su* s*ool & %all be   
eligible = loan =giv5ess pursuant to    
subsection 7b74  7#b7 ,prev5tion ( d\ble
 b5efits ,no qualify+ educator may1 = ! 
same s]vice1 receive a b5efit "u bo? ?is
 section &-- 7,a7 section #dbh,k2 or    
7,b7 subtitle ,d ( title ,i ( !         
,national & ,community ,s]vice ,act (   
#aiij 7#db ,u4,s4,c4 #abfja et seq474   
7#c7 ,no p5alty = promotions ,any       
qualify+ educator :o p]=ms qualify+     
s]vice 9 an e>ly *ildhood education     
program or high ne$ s*ool & :o is       
promot$ to ano!r position )9 t e>ly     
*ildhood program or high ne$ s*ool aft] 
#a or m ye>s ( qualify+ s]vice may      

cont9ue to be employ$ 9 su* position 9  
su* program or s*ool & %all be eligible 
to c\nt ! p]iod ( employm5t 9 su*       
position z qualify+ s]vice = loan       
=giv5ess pursuant to subsection 7b74    
7h7 ,def9itions ,9 ?is section3 7#a7    
,bureau ( ,indian ,education fund$      
elem5t>y or second>y s*ool ,! t]m       
,bureau ( ,indian ,education fund$      
elem5t>y or second>y s*ool means-- 7,a7 
an elem5t>y or second>y s*ool or        
dormitory op]at$ by ! ,bureau ( ,indian 
,education2  7,b7 an elem5t>y or        
second>y s*ool or dormitory op]at$      
pursuant to a grant "u ! ,tribally      
,controll$ ,s*ools ,act ( #aihh 7#be    
,u4,s4,c4 #beja et seq472 &  7,c7 an    
elem5t>y or second>y s*ool or dormitory 
op]at$ pursuant to a contract "u !      
,indian ,self-,det]m9ation & ,education 
,assi/ance ,act 7#be ,u4,s4,c4 #ecja et 
seq474  7#b7 ,bureau ( ,indian          
,education e>ly *ildhood developm5t     
program ,! t]m ,bureau ( ,indian        
,education e>ly *ildhood developm5t     

program means-- 7,a7 a program op]at+ "u
 a grant au?oriz$ by section #aaci ( !  
,education ,am5dm5ts ( #aigh 7#be       
,u4,s4,c4 #bjai72 or  7,b7 an e>ly      
*ildhood education program op]at$ or    
fund$ by ! ,bureau ( ,indian ,education 
7includ+ ,family & ,*ild ,education     
programs at s*ools fund$ by ! ,bureau ( 
,indian ,education au?oriz$ "u section  
#aaba ( ! ,education ,am5dm5ts ( #aigh  
7#be ,u4,s4,c4 #bjja774  7#c7 ,cov]$    
loan ,! t]m cov]$ loan means a loan     
made1 insur$1 or gu>ante$ "u ?is "p4    
7#d7 ,e>ly *ildhood education program ,!
 t]m e>ly *ildhood education program    
means-- 7,a7 a high-ne$ e>ly *ildhood   
education program z def9$ 9 section     
#bjj2  7,b7 a ,head ,/>t program        
7includ+ an ,e>ly ,head ,/>t program7   
c>ri$ out "u ! ,head ,/>t ,act 7#db     
,u4,s4,c4 #ihca et seq472  7,c7 an e>ly 
*ildhood education program1 z def9$ 9   
section #ajc2  7,d7 a ,bureau ( ,indian 
,education e>ly *ildhood developm5t     
program2  7,e7 a ,native ,hawaiian      

education sy/em e>ly *ildhood education 
program2  7,f7 a ,tribal e>ly *ildhood  
education program2 or  7,g7 a consortium
 ( entities describ$ 9 any (            
subp>agraphs 7,a7 ?r\gh 7,f74  7#e7     
,high ne$ s*ool ,! t]m high ne$ s*ool   
means-- 7,a7 a public elem5t>y or       
second>y s*ool-- 7i7 ) respect to :i* ! 
numb] ( *ildr5 meet+ a measure ( pov]ty 
"u section #aaac7;a77#e7 ( ! ,elem5t>y &
 ,second>y ,education ,act ( #aife1     
exce$s #cj p]c5t ( ! total numb] (      
*ildr5 enroll$ 9 su* s*ool2 &  7ii7 t is
 s]v$ by a local educational ag5cy t is 
eligible = assi/ance pursuant to "p ,a (
 title ,i ( ! ,elem5t>y & ,second>y     
,education ,act ( #aife2  7,b7 a public 
elem5t>y or second>y s*ool or location  
op]at$ by an educational s]vice ag5cy 9 
:i* ! numb] ( *ildr5 meet+ a measure (  
pov]ty "u section #aaac7;a77#e7 ( !     
,elem5t>y & ,second>y ,education ,act ( 
#aife exce$s #cj p]c5t ( ! total numb] (
 *ildr5 enroll$ 9 su* s*ool or location2
  7,c7 a public elem5t>y or second>y    

s*ool id5tifi$ by ! ,/ate = compreh5sive
 support & improvem5t1 t>get$ support & 
improvem5t1 or additional t>get$ support
 & improvem5t1 "u section #aaaa ( !     
,elem5t>y & ,second>y ,education ,act ( 
#aife2  7,d7 a ,bureau ( ,indian        
,education fund$ elem5t>y or second>y   
s*ool2  7,e7 an elem5t>y or second>y    
s*ool op]at$ by a ,tribal educational   
ag5cy2 or  7,f7 a ,native ,hawaiian     
education sy/em4  7#f7 ,indian tribe ,! 
t]m ,indian ,tribe means ! recogniz$    
gov]n+ body ( any ,indian or ,alaska    
,native ,tribe1 b&1 nation1 pueblo1     
village1 community1 compon5t b&1 or     
compon5t res]vation1 individually       
id5tifi$ 7includ+ p>5!tically7 9 ! li/  
publi%$ mo/ rec5tly z ( ! date (        
enactm5t ( ?is subtitle pursuant to     
section #ajd ( ! ,f$]ally ,recogniz$    
,indian ,tribe ,li/ ,act ( #aiid 7#be   
,u4,s4,c4 #eaca74  7#g7 ,native hawaiian
 education sy/em ,! t]m ,native         
,hawaiian education sy/em means an      
entity eligible to receive direct grants

 or ent] into contracts ) ! ,secret>y "u
 section #fbje ( ! ,elem5t>y & ,second>y
 ,education ,act ( #aife 7#bj ,u4,s4,c4 
#geae7 to c>ry out ! au?oriz$ activities
 "u t section4  7#h7 ,qualify+ educator 
,subject to subsection 7i71 ! t]m       
qualify+ educator means-- 7,a7 an       
elem5t>y or second>y s*ool tea*] :o--   
7i7 has obta9$ full ,/ate or ,tribal    
c]tification & lic5sure requirem5ts =   
su* employm5t2 &  7ii7 has n _h su*     
c]tification or lic5sure requirem5ts    
waiv$ on an em]g5cy1 tempor>y1 or       
provisional basis2  7,b7 an e>ly        
*ildhood educator :o provides c>e or    
in/ruction to *ildr52  7,c7 a s*ool     
lead] ( an elem5t>y or second>y s*ool   
:o-- 7i7 has obta9$ full ,/ate or       
,tribal c]tification & lic5sure         
requirem5ts = su* employm5t2 &  7ii7 has
 n _h su* c]tification or lic5sure      
requirem5ts waiv$ on an em]g5cy1        
tempor>y1 or provisional basis2 or  7,d7
 an e>ly *ildhood education program     
director 7includ+ a family *ild c>e     

provid]74  7#i7 ,qualify+ s]vice  7,a7  
,9 ,g5]al ,subject to subp>agraph 7,b71 
! t]m qualify+ s]vice means-- 7i7 9 !   
case ( a qualify+ educator describ$ 9   
subp>agraph 7,a7 or 7,c7 ( p>agraph     
7#h71 employm5t z a full-"t qualify+    
educator 9 a high ne$ s*ool2 &  7ii7 9 !
 case ( a qualify+ educator describ$ 9  
subp>agraph 7,b7 or 7,d7 ( p>agraph     
7#h71 employm5t z a full-"t qualify+    
educator 9 an e>ly *ildhood education   
program 7includ+ s*ool-bas$ programs74  
7,b7 ,exception ,9 ! case ( a qualify+  
educator :o is unable to complete a full
 s*ool or program ye> ( s]vice1 t ye>   
may /ill be c\nt$ t[>d ! requir$        
qualify+ s]vice p]iod "u p>agraphs 7#a7 
& 7#b7 ( subsection 7c7 if-- 7i7 !      
qualify+ educator complet$ at lea/      
"o-half ( ! s*ool or program ye>2  7ii7 
! employ] consid]s ! qualify+ educator  
to h fulfill$ ! contract requirem5ts = !
 s*ool or program ye> = ! purposes (    
sal>y increases1 t5ure1 & retirem5t2 &  
7iii7 ! qualify+ educator 0 unable to   

complete ! s*ool or program ye>         
because-- 7,i7 ! qualify+ educator      
return$ to po/second>y education1 on at 
lea/ a half-"t basis1 9 an area ( /udy  
directly relat$ to ! p]=mance ( !       
qualify+ s]vice2  7,,ii7 ! qualify+     
educator exp]i5c$ a condition describ$ 9
 section #ajb ( ! ,family & ,m$ical     
,leave ,act ( #aiic 7#bi ,u4,s4,c4      
#bfab72  7,,iii7 ! qualify+ educator 0  
call$ or ord]$ to ,f$]al or ,/ate active
 duty /atus1 or ,active ,s]vice z a     
memb] ( a ,res]ve ,compon5t ( ! ,arm$   
,=ces nam$ 9 section #ajaja ( title #aj1
 ,unit$ ,/ates ,code1 or s]vice z a     
memb] ( ! ,national ,gu>d on full-"t    
,national ,gu>d duty1 z def9$ 9 section 
#aja7;d77#e7 ( title #aj1 ,unit$ ,/ates 
,code2 or  7,,iv7 ! qualify+ educator   
resides 9 or is employ$ 9 a disa/] area1
 z decl>$ by any ,f$]al1 ,/ate1 or local
 (ficial 9 connection ) a national      
em]g5cy4  7#aj7 ,s*ool ,lead] ,! t]m    
s*ool lead] has ! mean+ giv5 t t]m 9    
section #haja ( ! ,elem5t>y & ,second>y 

,education ,act ( #aife4  7#aa7 ,tribal 
e>ly *ildhood education program ,! t]m  
,tribal e>ly *ildhood education program 
means any ( ! foll[+ programs3 7,a7 ,an 
,am]ican ,indian or ,alaska ,native     
,head ,/>t or ,e>ly ,head ,/>t program  
c>ri$ out "u ! ,head ,/>t ,act 7#db     
,u4,s4,c4 #ihca et seq474  7,b7 ,a      
,tribal *ild c>e & developm5t program   
c>ri$ out "u ! ,*ild ,c>e & ,developm5t 
,block ,grant ( #aiij 7#db ,u4,s4,c4    
#iheh et seq474  7,c7 ,a program s]v+   
*ildr5 f bir? ?r\gh age #f t-- 7i7      
receives fund+ support f ! ,native      
,am]ican language pres]vation &         
ma9t5ance program c>ri$ out "u section  
#hjc;,c ( ! ,native ,am]ican ,programs  
,act ( #aigd 7#db ,u4,s4,c4 #biia;b-#c72
  7ii7 is a ,tribal prek9d]g>t5 program2
  7iii7 is a program au?oriz$ "u section
 #fai or "p ,c ( ! ,individuals )       
,disabilities ,education ,act2 or  7iv7 
is a c5t]-bas$ or gr\p-bas$ e>ly        
*ildhood le>n+ or developm5t program t !
 ,secret>y det]m9es %all be includ$ "u  

?is def9ition1 aft] receiv+ a reque/ f  
an ,indian ,tribe4  7#ab7 ,tribal       
educational ag5cy ,! t]m ,tribal        
educational ag5cy has ! mean+ giv5 ! t]m
 7)\t respect to capitalization7 9      
section #facb7;b7 ( ! ,elem5t>y &       
,second>y ,education ,act ( #aife4      
7#ac7 ,ye> ,! t]m ye>1 :5 appli$ to     
s]vice z a qualify+ educator1 means a   
s*ool or program ye> z def9$ by !       
,secret>y or ! ,secret>y ( ,heal? &     
,human ,s]vices1 z applicable4  7i7     
,special rule ,an educator t provides   
in/ruction or curricul> developm5t 9 an 
,alaska ,native1 ,am]ican ,indian1 or   
,native ,hawaiian language or a ,native 
,am]ican language z def9$ 9 ! ,native   
,am]ican ,languages ,act 7#be ,u4,s4,c4 
#bijb7 %all be consid]$ to be a qualify+
 educator reg>dless ( :e!r ! educator   
has a*iev$ full ,/ate or ,tribal        
c]tification & lic5sure requirem5ts =   
su* employm5t4  4  7b7 ,enhanc$ tea*]   
loan cancellation "u ! ,direct ,loan    
program ,section #dfj ( ! ,high]        

,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajhg;j7 is am5d$ to read z foll[s3     
#dfj4 ,loan cancellation = educators    
7a7 ,purpose ,x is ! purpose ( ?is      
section to enhance /ud5t access to a    
well-prep>$1 div]se1 & /able educator   
work=ce by elim9at+ debt burd5s =       
educators 9 return = s]vice tea*+ &     
lead+ 9 high ne$ s*ools or e>ly *ildhood
 education programs4  7b7 ,program      
au?oriz$ ,n lat] ?an #bgj days aft] !   
date ( enactm5t ( ! ,loan ,=giv5ess =   
,educators ,act ( #bjbb1 ! ,secret>y    
%all c>ry out a program ( cancel+1 z    
requir$ "u subsection 7c71 ! obligation 
to repay a cov]$ loan = qualify+        
educators engag$ 9 qualify+ s]vice4 ,a  
qualify+ educator may apply = ! program 
"u ?is section aft] ! ,secret>y has     
begun c>ry+ out ! program4  7c7         
,cancellation ( cov]$ loans  7#a7       
,cancellation ( loans ^u completion (   
qualify+ s]vice  7,a7 ,9 ,g5]al ,= ea*  
qualify+ educator :o has complet$ #e    
ye>s ( qualify+ s]vice 7includ+ any     

qualify+ s]vice1 z def9$ "u ?is section 
z 9 effect aft] ! date ( implem5tation (
 ! ,loan ,=giv5ess = ,educators ,act (  
#bjbb1 t may h be5 complet$ or p]=m$    
be=e or aft] su* date ( implem5tation1  
or a comb9ation ( qualify+ s]vice71 !   
,secret>y %all cancel an am\nt equal to 
#ajj p]c5t ( ! aggregate ( ! loan       
obligations 7includ+ int]e/ & fees7 on  
all cov]$ loans t are out/&+ z ( ! date 
( completion ( su* fif? ye> ( qualify+  
s]vice4  7,b7 ,tim+ ,! ye>s ( qualify+  
s]vice requir$ "u subp>agraph 7,a7 may  
be consecutive or nonconsecutive1 & !   
qualify+ educator may elect :i* ye>s (  
qualify+ s]vice to use = purposes ( ?is 
section4  7#b7 ,mon?ly loan cancellation
 ,^u application by any qualify+        
educator ( a cov]$ loan :o is engag$ 9  
qualify+ s]vice1 & 9 addition to any    
loan cancellation "u p>agraph 7#a71 !   
,secret>y %all ent] into an agreem5t )  
su* qualify+ educator1 "u :i*-- 7,a7    
dur+ ! p]iod ( qualify+ s]vice 7=       
qualify+ s]vice t occurs aft] ! date (  

implem5tation ( ?is ,act71 ! ,secret>y  
agrees to cancel ! m9imum mon?ly        
obligation on all cov]$ loans ( !       
qualify+ educator bas$ on ! repaym5t    
plan select$ by ! qualify+ educator     
7:i*1 if ! educator *ooses1 %all include
 any income driv5 repaym5t plan71 =--   
7i7 ea* mon? ( qualify+ s]vice2 &  7ii7 
any summ] or o!r s*ool or program ye>   
cal5d> breaks s*$ul$ by a qualify+ s*ool
 or e>ly *ildhood education program dur+
 a s*ool or program ye> 9 :i* ! qualify+
 educator is engag$ 9 qualify+ s]vice2  
7,b7 dur+ ! p]iod ( qualify+ s]vice1    
int]e/ %all n accrue on ! qualify+      
educator's cov]$ loans2 &  7,c7 dur+ !  
p]iod ( qualify+ s]vice1 ea* mon?ly     
obligation t is cancell$ by ! ,secret>y 
"u ?is p>agraph on a cov]$ loan %all be 
deem$ to be a qualify+ mon?ly paym5t    
made by ! qualify+ educator = purposes (
 ! loan =giv5ess program "u section     
#dee7m71 if applicable4  7#c7           
,application ,! ,secret>y %all develop &
 make publicly available an application 

= qualify+ educators :o wi% to receive  
loan cancellation "u ?is subsection4 ,! 
application %all-- 7,a7 be available =  
qualify+ educators to file = loan       
cancellation "u p>agraph 7#a7 & = mon?ly
 loan cancellation "u p>agraph 7#b72    
7,b7 include any c]tification           
requirem5ts t ! ,secret>y det]m9es are  
necess>y to v]ify qualify+ s]vice2 &    
7,c7 all[ = ! v]ification ( ! qualify+  
s]vice-- 7i7 9 ! case ( an e>ly *ildhood
 educator or an elem5t>y or second>y    
s*ool tea*] s]v+ 9 a high ne$ s*ool1 by 
a s*ool lead] or ! adm9i/rator ( a local
 educational ag5cy1 educational s]vice  
ag5cy1 ,bureau ( ,indian ,education1    
,native ,hawaiian education sy/em1 or   
,/ate educational ag5cy t s]ves ! s*ool 
7or ! adm9i/rator's designee72  7ii7 9 !
 case ( an e>ly *ildhood educator s]v+ 9
 a e>ly *ildhood education program1 by !
 director ( t program 7or ! director's  
designee72  7iii7 9 ! case ( a s*ool    
lead] s]v+ 9 a high ne$ s*ool1 by !     
adm9i/rator ( a local educational ag5cy1

 educational s]vice ag5cy1 ,bureau (    
,indian ,education1 ,native ,hawaiian   
education sy/em1 or ,/ate educational   
ag5cy t s]ves ! s*ool 7or !             
adm9i/rator's designee72  7iv7 9 ! case 
( a director ( an e>ly *ildhood         
education program1 a lead] ( ! entity   
ov]see+ ! e>ly *ildhood education       
program2 &  7v7 9 ! case ( a family *ild
 c>e provid] or ! director ( an e>ly    
*ildhood education program t op]ates z a
 /&alone c5t]-bas$ program 7= example1 a
 case 9 :i* ! c5t] is n "p ( a l>g]     
company7 t is an e>ly *ildhood education
 program1 by self-c]tification )        
support+ docum5ts1 su* z a bus9ess      
lic5se1 a li/+ ) a public ,*ild ,c>e    
,res\rces & ,ref]ral website1 or pro( ( 
p>ticipation 9 a ,f$]al *ild c>e or     
pres*ool subsidy program4  7#d7 ,p>5t   
plus loans  7,a7 ,p>5t ,,plus ,loan on  
behalf ( a /ud5t :o is a qualify+       
educator ,a borr[] ( a p>5t ,f$]al      
,direct ,,plus ,loan issu$ on behalf ( a
 /ud5t :o is a qualify+ educator %all   

qualify = loan =giv5ess & any o!r       
b5efits "u ?is section = ! qualify+     
s]vice ( ! /ud5t 9 ! same mann] & to !  
same ext5t z ! /ud5t borr[] qualifies = 
su* loan =giv5ess & o!r b5efits4  7,b7  
,p>5t ,,plus ,loan borr[$ by a p>5t :o  
is a qualify+ educator ,! borr[] ( a    
p>5t ,f$]al ,direct ,,plus ,loan issu$  
on behalf ( a /ud5t :o is n a qualify+  
educator %all also qualify = loan       
=giv5ess & any o!r b5efits "u ?is       
section = qualify+ s]vice if t p>5t     
borr[] is engag$ 9 qualify+ s]vice &    
meets ! requirem5ts ( ?is section4  7#e7
 ,recipi5ts ( prior loan cancellation ,a
 qualify+ educator :o receiv$ loan      
cancellation "u ?is section z 9 effect  
be=e ! date ( enactm5t ( ! ,loan        
,=giv5ess = ,educators ,act ( #bjbb--   
7,a7 %all be eligible = loan            
cancellation ( cov]$ loans 9 accordance 
) subsection 7c77#a71 includ+ any rema9+
 cov]$ loans2 &  7,b7 may c\nt ! s]vice 
complet$ t qualifi$ ! qualify+ educator 
= previ\s loan cancellation z qualify+  

s]vice = purposes ( subsection 7c77#a74 
7#f7 ,prohibition on requir+ repaym5t ,a
 qualify+ educator %all n be requir$ to 
repay any am\nts paid "u ?is subsection 
if t qualify+ educator :o engages 9     
qualify+ s]vice ends ! qualify+ s]vice  
be=e ! end ( a s*ool or program ye>1 or 
be=e ! end ( ! #e-ye> p]iod describ$ 9  
p>agraph 7#a74  7d7 ,regulations ,!     
,secret>y is au?oriz$ to issue su*      
regulations z may be necess>y to c>ry   
out ! provisions ( ?is section4  7e7    
,con/ruction ,no?+ 9 ?is section %all be
 con/ru$ to au?orize any refund+ ( any  
cancel$ loan4  7f7 ,li/  7#a7 ,9 ,g5]al 
,! ,secret>y %all-- 7,a7 z soon z       
practicable1 produce & make publicly    
available a li/ ( high ne$ s*ools =     
purposes ( ?is section2 &  7,b7 annually
 update su* li/4  7#b7 ,li/ f previ\s   
ye> ,if ! li/ ( high ne$ s*ools 9 :i* a 
qualify+ educator may p]=m qualify+     
s]vice is n available be=e ,may #a ( any
 ye>1 ! ,secret>y may use ! li/ = ! ye> 
prec$+ ! ye> = :i* ! det]m9ation is made

 to make a det]m9ation ab\t :e!r an     
individual meets ! requirem5ts =        
qualify+ s]vice4  7g7 ,additional       
eligibility provisions  7#a7 ,cont9u$   
eligibility ,any qualify+ educator :o   
p]=ms qualify+ s]vice 9 a s*ool t-- 7,a7
 is a high ne$ s*ool 9 any s*ool ye>    
dur+ su* s]vice2 &  7,b7 9 a subsequ5t  
s*ool ye> fails to meet ! def9ition ( a 
high ne$ s*ool1  may cont9ue to s]ve 9  
su* s*ool & %all be eligible = loan     
cancellation pursuant to subsection 7b74
  7#b7 ,prev5tion ( d\ble b5efits ,no   
qualify+ educator may1 = ! same s]vice1 
receive a b5efit "u bo? ?is section &-- 
7,a7 section #dbh,k2 or  7,b7 subtitle  
,d ( title ,i ( ! ,national & ,community
 ,s]vice ,act ( #aiij 7#db ,u4,s4,c4    
#abfja et seq474  7#c7 ,no p5alty =     
promotions ,any qualify+ educator :o    
p]=ms qualify+ s]vice 9 an e>ly *ildhood
 education program or high ne$ s*ool &  
:o is promot$ to ano!r position )9 t    
e>ly *ildhood program or high ne$ s*ool 
aft] #a or m ye>s ( qualify+ s]vice may 

cont9ue to be employ$ 9 su* position 9  
su* program or s*ool & %all be eligible 
to c\nt ! p]iod ( employm5t 9 su*       
position z qualify+ s]vice = loan       
cancellation pursuant to subsection 7b74
  7h7 ,def9itions ,9 ?is section3 7#a7  
,bureau ( ,indian ,education fund$      
elem5t>y or second>y s*ool ,! t]m       
,bureau ( ,indian ,education fund$      
elem5t>y or second>y s*ool means-- 7,a7 
an elem5t>y or second>y s*ool or        
dormitory op]at$ by ! ,bureau ( ,indian 
,education2  7,b7 an elem5t>y or        
second>y s*ool or dormitory op]at$      
pursuant to a grant "u ! ,tribally      
,controll$ ,s*ools ,act ( #aihh 7#be    
,u4,s4,c4 #beja et seq472 &  7,c7 an    
elem5t>y or second>y s*ool or dormitory 
op]at$ pursuant to a contract "u !      
,indian ,self-,det]m9ation & ,education 
,assi/ance ,act 7#be ,u4,s4,c4 #ecja et 
seq474  7#b7 ,bureau ( ,indian          
,education e>ly *ildhood developm5t     
program ,! t]m ,bureau ( ,indian        
,education e>ly *ildhood developm5t     

program means-- 7,a7 a program op]at+ "u
 a grant au?oriz$ by section #aaci ( !  
,education ,am5dm5ts ( #aigh 7#be       
,u4,s4,c4 #bjai72 or  7,b7 an e>ly      
*ildhood education program op]at$ or    
fund$ by ! ,bureau ( ,indian ,education 
7includ+ ,family & ,*ild ,education     
programs at s*ools fund$ by ! ,bureau ( 
,indian ,education au?oriz$ "u section  
#aaba ( ! ,education ,am5dm5ts ( #aigh  
7#be ,u4,s4,c4 #bjja774  7#c7 ,cov]$    
loan ,! t]m cov]$ loan means a loan     
made1 insur$1 or gu>ante$ "u ?is "p4    
7#d7 ,e>ly *ildhood education program ,!
 t]m e>ly *ildhood education program    
means-- 7,a7 a high-ne$ e>ly *ildhood   
education program z def9$ 9 section     
#bjj2  7,b7 a ,head ,/>t program        
7includ+ an ,e>ly ,head ,/>t program7   
c>ri$ out "u ! ,head ,/>t ,act 7#db     
,u4,s4,c4 #ihca et seq472  7,c7 an e>ly 
*ildhood education program1 z def9$ 9   
section #ajc2  7,d7 a ,bureau ( ,indian 
,education e>ly *ildhood developm5t     
program2  7,e7 a ,native ,hawaiian      

education sy/em e>ly *ildhood education 
program2  7,f7 a ,tribal e>ly *ildhood  
education program2 or  7,g7 a consortium
 ( entities describ$ 9 any (            
subp>agraphs 7,a7 ?r\gh 7,f74  7#e7     
,high ne$ s*ool ,! t]m high ne$ s*ool   
means-- 7,a7 a public elem5t>y or       
second>y s*ool-- 7i7 ) respect to :i* ! 
numb] ( *ildr5 meet+ a measure ( pov]ty 
"u section #aaac7;a77#e7 ( ! ,elem5t>y &
 ,second>y ,education ,act ( #aife1     
exce$s #cj p]c5t ( ! total numb] (      
*ildr5 enroll$ 9 su* s*ool2 &  7ii7 t is
 s]v$ by a local educational ag5cy t is 
eligible = assi/ance pursuant to "p ,a (
 title ,i ( ! ,elem5t>y & ,second>y     
,education ,act ( #aife2  7,b7 a public 
elem5t>y or second>y s*ool or location  
op]at$ by an educational s]vice ag5cy 9 
:i* ! numb] ( *ildr5 meet+ a measure (  
pov]ty "u section #aaac7;a77#e7 ( !     
,elem5t>y & ,second>y ,education ,act ( 
#aife exce$s #cj p]c5t ( ! total numb] (
 *ildr5 enroll$ 9 su* s*ool or location2
  7,c7 a public elem5t>y or second>y    

s*ool id5tifi$ by ! ,/ate = compreh5sive
 support & improvem5t1 t>get$ support & 
improvem5t1 or additional t>get$ support
 & improvem5t1 "u section #aaaa ( !     
,elem5t>y & ,second>y ,education ,act ( 
#aife2  7,d7 a ,bureau ( ,indian        
,education fund$ elem5t>y or second>y   
s*ool2  7,e7 an elem5t>y or second>y    
s*ool op]at$ by a ,tribal educational   
ag5cy2 or  7,f7 a ,native ,hawaiian     
education sy/em4  7#f7 ,indian tribe ,! 
t]m ,indian ,tribe means ! recogniz$    
gov]n+ body ( any ,indian or ,alaska    
,native ,tribe1 b&1 nation1 pueblo1     
village1 community1 compon5t b&1 or     
compon5t res]vation1 individually       
id5tifi$ 7includ+ p>5!tically7 9 ! li/  
publi%$ mo/ rec5tly z ( ! date (        
enactm5t ( ?is subtitle pursuant to     
section #ajd ( ! ,f$]ally ,recogniz$    
,indian ,tribe ,li/ ,act ( #aiid 7#be   
,u4,s4,c4 #eaca74  7#g7 ,native hawaiian
 education sy/em ,! t]m ,native         
,hawaiian education sy/em means an      
entity eligible to receive direct grants

 or ent] into contracts ) ! ,secret>y "u
 section #fbje ( ! ,elem5t>y & ,second>y
 ,education ,act ( #aife 7#bj ,u4,s4,c4 
#geae7 to c>ry out ! au?oriz$ activities
 "u t section4  7#h7 ,qualify+ educator 
,subject to subsection 7i71 ! t]m       
qualify+ educator means-- 7,a7 an       
elem5t>y or second>y s*ool tea*] :o--   
7i7 has obta9$ full ,/ate or ,tribal    
c]tification & lic5sure requirem5ts =   
su* employm5t2 &  7ii7 has n _h su*     
c]tification or lic5sure requirem5ts    
waiv$ on an em]g5cy1 tempor>y1 or       
provisional basis2  7,b7 an e>ly        
*ildhood educator :o provides c>e or    
in/ruction to *ildr52  7,c7 a s*ool     
lead] ( an elem5t>y or second>y s*ool   
:o-- 7i7 has obta9$ full ,/ate or       
,tribal c]tification & lic5sure         
requirem5ts = su* employm5t2 &  7ii7 has
 n _h su* c]tification or lic5sure      
requirem5ts waiv$ on an em]g5cy1        
tempor>y1 or provisional basis2 or  7,d7
 an e>ly *ildhood education program     
director 7includ+ a family *ild c>e     

provid]74  7#i7 ,qualify+ s]vice  7,a7  
,9 ,g5]al ,subject to subp>agraph 7,b71 
! t]m qualify+ s]vice means-- 7i7 9 !   
case ( a qualify+ educator describ$ 9   
subp>agraph 7,a7 or 7,c7 ( p>agraph     
7#h71 employm5t z a full-"t qualify+    
educator 9 a high ne$ s*ool2 &  7ii7 9 !
 case ( a qualify+ educator describ$ 9  
subp>agraph 7,b7 or 7,d7 ( p>agraph     
7#h71 employm5t z a full-"t qualify+    
educator 9 an e>ly *ildhood education   
program 7includ+ s*ool-bas$ programs74  
7,b7 ,exception ,9 ! case ( a qualify+  
educator :o is unable to complete a full
 s*ool or program ye> ( s]vice1 t ye>   
may /ill be c\nt$ t[>d ! requir$        
qualify+ s]vice p]iod "u p>agraphs 7#a7 
& 7#b7 ( subsection 7c7 if-- 7i7 !      
qualify+ educator complet$ at lea/      
"o-half ( ! s*ool or program ye>2  7ii7 
! employ] consid]s ! qualify+ educator  
to h fulfill$ ! contract requirem5ts = !
 s*ool or program ye> = ! purposes (    
sal>y increases1 t5ure1 & retirem5t2 &  
7iii7 ! qualify+ educator 0 unable to   

complete ! s*ool or program ye>         
because-- 7,i7 ! qualify+ educator      
return$ to po/second>y education1 on at 
lea/ a half-"t basis1 9 an area ( /udy  
directly relat$ to ! p]=mance ( !       
qualify+ s]vice2  7,,ii7 ! qualify+     
educator exp]i5c$ a condition describ$ 9
 section #ajb ( ! ,family & ,m$ical     
,leave ,act ( #aiic 7#bi ,u4,s4,c4      
#bfab72  7,,iii7 ! qualify+ educator 0  
call$ or ord]$ to ,f$]al or ,/ate active
 duty /atus1 or ,active ,s]vice z a     
memb] ( a ,res]ve ,compon5t ( ! ,arm$   
,=ces nam$ 9 section #ajaja ( title #aj1
 ,unit$ ,/ates ,code1 or s]vice z a     
memb] ( ! ,national ,gu>d on full-"t    
,national ,gu>d duty1 z def9$ 9 section 
#aja7;d77#e7 ( title #aj1 ,unit$ ,/ates 
,code2 or  7,,iv7 ! qualify+ educator   
resides 9 or is employ$ 9 a disa/] area1
 z decl>$ by any ,f$]al1 ,/ate1 or local
 (ficial 9 connection ) a national      
em]g5cy4  7#aj7 ,s*ool ,lead] ,! t]m    
s*ool lead] has ! mean+ giv5 t t]m 9    
section #haja ( ! ,elem5t>y & ,second>y 

,education ,act ( #aife4  7#aa7 ,tribal 
e>ly *ildhood education program ,! t]m  
,tribal e>ly *ildhood education program 
means any ( ! foll[+ programs3 7,a7 ,an 
,am]ican ,indian or ,alaska ,native     
,head ,/>t or ,e>ly ,head ,/>t program  
c>ri$ out "u ! ,head ,/>t ,act 7#db     
,u4,s4,c4 #ihca et seq474  7,b7 ,a      
,tribal *ild c>e & developm5t program   
c>ri$ out "u ! ,*ild ,c>e & ,developm5t 
,block ,grant ( #aiij 7#db ,u4,s4,c4    
#iheh et seq474  7,c7 ,a program s]v+   
*ildr5 f bir? ?r\gh age #f t-- 7i7      
receives fund+ support f ! ,native      
,am]ican language pres]vation &         
ma9t5ance program c>ri$ out "u section  
#hjc;,c ( ! ,native ,am]ican ,programs  
,act ( #aigd 7#db ,u4,s4,c4 #biia;b-#c72
  7ii7 is a ,tribal prek9d]g>t5 program2
  7iii7 is a program au?oriz$ "u section
 #fai or "p ,c ( ! ,individuals )       
,disabilities ,education ,act2 or  7iv7 
is a c5t]-bas$ or gr\p-bas$ e>ly        
*ildhood le>n+ or developm5t program t !
 ,secret>y det]m9es %all be includ$ "u  

?is def9ition1 aft] receiv+ a reque/ f  
an ,indian ,tribe4  7#ab7 ,tribal       
educational ag5cy ,! t]m ,tribal        
educational ag5cy has ! mean+ giv5 ! t]m
 7)\t respect to capitalization7 9      
section #facb7;b7 ( ! ,elem5t>y &       
,second>y ,education ,act ( #aife4      
7#ac7 ,ye> ,! t]m ye>1 :5 appli$ to     
s]vice z a qualify+ educator1 means a   
s*ool or program ye> z def9$ by !       
,secret>y or ! ,secret>y ( ,heal? &     
,human ,s]vices1 z applicable4  7i7     
,special rule ,an educator t provides   
in/ruction or curricul> developm5t 9 an 
,alaska ,native1 ,am]ican ,indian1 or   
,native ,hawaiian language or a ,native 
,am]ican language z def9$ 9 ! ,native   
,am]ican ,languages ,act 7#be ,u4,s4,c4 
#bijb7 %all be consid]$ to be a qualify+
 educator reg>dless ( :e!r ! educator   
has a*iev$ full ,/ate or ,tribal        
c]tification & lic5sure requirem5ts =   
su* employm5t4  4  7c7 ,effective date2 
,program "n  7#a7 ,effective date ,!    
am5dm5ts made by subsections 7a7 & 7b7  

%all take effect on ! day t is #ahj days
 aft] ! date ( enactm5t ( ?is ,act4     
7#b7 ,program "n ,! programs "u section 
#dbh;,j & #dfj ( ! ,high] ,education    
,act ( #aife1 z am5d$ by subsections 7a7
 & 7b71 %all be kn[n z ,educator ,loan  
,=giv5ess ,programs4  7d7 ,te*nical     
am5dm5t ,section #dee7m77#d7 ( ! ,high] 
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajhg;e7m77#d77 is am5d$ by /rik+       
section #dbh;,j1 #dbh,k1 #dbh,l1 or #dfj
 & ins]t+ section #dbh,k or #dbh,l4  #c4
 ,notice to borr[]s ,n lat] ?an #ahj    
days aft] ! ,secret>y ( ,education      
implem5ts ! programs "u ?is ,act1 !     
,secret>y1 9 coord9ation ) ! ,secret>y (
 ,heal? & ,human ,s]vices1 %all take su*
 /eps z may be necess>y to in=m high ne$
 s*ools & e>ly *ildhood education       
programs 7z def9$ 9 section #dfj ( !    
,high] ,education ,act ( #aife1 z am5d$ 
by ?is ,act71 ,head ,/>t programs       
7includ+ ,e>ly ,head ,/>t programs7     
c>ri$ out "u ! ,head ,/>t ,act 7#db     
,u4,s4,c4 #ihca et seq471 e>ly *ildhood 

educators & program directors 7includ+  
family *ild c>e provid]s & program      
directors71 public s*ool tea*]s1 public 
s*ool lead]s1 ,bureau ( ,indian         
,education s*ool tea*]s1 ,bureau (      
,indian ,education s*ool lead]s1 ,native
 ,hawaiian education sy/em s*ool tea*]s1
 ,native ,hawaiian education sy/em s*ool
 lead]s1 local educational ag5cy lead]s 
7su* z sup]9t5d5ts71 local educational  
ag5cies1 educational s]vice ag5cies1    
educational s]vice ag5cy lead]s1 *ief   
,/ate s*ool (fic]s1 ,/ate educational   
ag5cies1 /ud5ts att5d+ in/itutions (    
high] education1 & o!r /ud5t loan       
borr[]s1 ( ! am5dm5ts made by ?is ,act  
to ! loan =giv5ess & loan cancellation  
programs "u sections #dbh;,j & #dfj ( ! 
,high] ,education ,act ( #aife 7#bj     
,u4,s4,c4 #ajgh-aj2 #ajhg;j71 includ+ an
 explanation ( h[ loans accru$ be=e !   
date ( enactm5t ( ?is ,act may qualify =
 loan =giv5ess or loan cancellation "u  
su* sections1 z am5d$ by ?is ,act1 & an 
explanation ( h[ s]vice p]=m$ be=e !    

date ( enactm5t ( ?is ,act may c\nt t[>d
 qualify+ s]vice requirem5ts = purposes 
( su* sections1 z am5d$ by ?is ,act4    
#d4 ,waiv] ( negotiat$ rulemak+ ,9 c>ry+
 out ?is ,act & any am5dm5ts made by ?is
 ,act1 or any regulations promulgat$ "u 
?is ,act or "u su* am5dm5ts1 ! ,secret>y
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