,,ii  #aag? ,,congress  #b;d ,session   
,s4 #ebji  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,decemb] #g1 #bjbb,mrs4
 ,gillibr& 7= h]self1 ,mr4 ,book]1 ,ms4 
,duckwor?1 ,ms4 ,klobu*>1 ,mr4 ,m]kley1 
& ,mr4 ,padilla7 introduc$ ! foll[+     
bill2 :i* 0 read twice & ref]r$ to !    
,committee on ,heal?1 ,education1       
,labor1 & ,p5sions  ,a ,,bill  ,to      
e/abli% a grant program = ,/ates to fund
 community-bas$ nonpr(it /ud5t loan     
consum] assi/ance programs1 & = o!r     
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,/ud5t ,loan ,lit]acy ,act 
( #bjbb4  #b4 ,/ud5t loan consum]       
in=mation  7a7 ,9 g5]al ,f am\nts made  
available to c>ry out ?is section1 !    
,secret>y ( ,education %all aw>d grants 
to ,/ates to enable su* ,/ates to       
e/abli%1 exp&1 or provide support =     
community-bas$ nonpr(it /ud5t loan      
consum] assi/ance programs4  7b7        
,application ,ea* ,/ate desir+ to       
receive a grant "u ?is section %all     
submit to ! ,secret>y ( ,education an   

application at su* "t & 9 su* mann] z ! 
,secret>y may require4 ,su* application 
%all id5tify ! community-bas$ nonpr(it  
/ud5t loan consum] assi/ance            
organization or organizations t w       
p>ticipate 9 ! program fund$ "u ?is     
section1 & %all include a description ( 
! program activities ! ,/ate & su*      
organization or organizations w c>ry    
out4  7c7 ,use ( funds ,) funds provid$ 
by a ,/ate "u ?is section1 a            
community-bas$ nonpr(it /ud5t loan      
consum] assi/ance program-- 7#a7 %all   
provide assi/ance to borr[]s ( ,f$]al   
/ud5t loans1 includ+-- 7,a7 receiv+ &   
respond+ to borr[] inquiries & compla9ts
 conc]n+ ,f$]al /ud5t loans2  7,b7      
assi/+ borr[]s ) ! fil+ ( compla9ts &   
appeals ) relevant ,f$]al & ,/ate       
entities & ,f$]al /ud5t loan l5d]s1     
hold]s1 s]vic]s1 & collectors1 z        
appropriate2  7,c7 collect+1 track+1 &  
quantify+ problems & inquiries enc\nt]$ 
by borr[]s ( ,f$]al /ud5t loans2  7,d7  
educat+ borr[]s ab\t _! rights &        

responsibilities ) respect to ,f$]al    
/ud5t loans2 &  7,e7 assi/+ borr[]s )   
,f$]al /ud5t loan ne$s by provid+       
in=mation1 ref]ral1 & assi/ance1 includ+
 assi/ance resolv+ problems reg>d+      
,f$]al /ud5t loans2  7#b7 %all consult )
 relevant ,f$]al & ,/ate entities to    
assi/ borr[]s ) report+1 process+1 &    
resolv+ issues & compla9ts relat$ to    
,f$]al /ud5t loans2  7#c7 %all collect  
data requir$ to comply ) ! report+      
requirem5ts "u subsection 7d72 &  7#d7  
may file compla9ts & appeals on behalf (
 borr[]s ( ,f$]al /ud5t loans 9         
accordance ) any regulations e/abli%$ by
 ! ,secret>y ( ,education ) respect to  
?is p>agraph4  7d7 ,data collection &   
report+  7#a7 ,annual report to ,/ates  
,ea* community-bas$ nonpr(it /ud5t loan 
consum] assi/ance program receiv+ funds 
"u ?is section %all provide to ! ,/ate  
provid+ su* funds an annual report on ! 
activities c>ri$ out by su* program1 :i*
 %all include-- 7,a7 ! numb] ( borr[]s  
s]v$ by ! program2  7,b7 demographic    

data on ! borr[]s s]v$ by ! program1    
includ+ age1 race1 e?nicity1 g5d]1 &    
/ud5t or employm5t /atus1 & if          
available1 ! income ( su* borr[]s2  7,c7
 a li/ & description ( ! types ( issues 
& compla9ts pres5t$ by borr[]s s]v$ by !
 program1 includ+ id5tification ( ! mo/ 
common problems enc\nt]$ by su* borr[]s 
) respect to ,f$]al /ud5t loans2  7,d7 a
 description ( ! types ( s]vices provid$
 to borr[]s by ! program2 &  7,e7 data  
relat$ to ! issues & compla9ts pres5t$  
by borr[]s s]v$ by ! program1 includ+-- 
7i7 ! numb] ( borr[] issues or compla9ts
 ! program ref]r$ to1 or facilitat$     
borr[] contact )1 a ,f$]al or ,/ate     
entity or ,f$]al /ud5t loan l5d]1 hold]1
 s]vic]1 or collector2  7ii7 ! numb] (  
su* issues or compla9ts ! program fil$1 
on behalf ( a borr[]1 ) a ,f$]al or     
,/ate entity or ,f$]al /ud5t loan l5d]1 
hold]1 s]vic]1 or collector2 &  7iii7   
data on ! outcomes ( su* issues &       
compla9ts1 includ+ ! numb] ( su* issues 
or compla9ts t h be5 resolv$1 & :e!r a  

borr[] consid]s an issue or compla9t to 
be resolv$ satisfactorily4  7#b7 ,/ate  
reports ,n lat] ?an #cj days aft]       
receipt ( an annual report describ$ 9   
p>agraph 7#a71 a ,/ate receiv+ funds "u 
?is section = "o or m community-bas$    
nonpr(it /ud5t loan consum] assi/ance   
programs %all provide to ! ,secret>y (  
,education a summ>y ( ! annual reports  
receiv$ f all su* programs4  7#c7       
,report by ! ,secret>y ,beg9n+ #ah mon?s
 aft] ! date ( enactm5t ( ?is section1 !
 ,secret>y ( ,education %all provide an 
annual report on ! grant program c>ri$  
out "u ?is section to ! ,committee on   
,heal?1 ,education1 ,labor1 & ,p5sions (
 ! ,s5ate & ! ,committee on ,education &
 ,labor ( ! ,h\se ( ,repres5tatives1 !  
entity 9 ea* ,/ate t is responsible =   
regulation ( /ud5t loans1 & any o!r     
,f$]al entity ) responsibilities relat$ 
to ,f$]al /ud5t loans4 ,su* report %all 
include areas ( ,f$]al /ud5t loan law1  
regulation1 & adm9i/ration t require    
increas$ en=cem5t or ov]sight1 z        

id5tifi$ by ! ,secret>y us+ data report$
 by ,/ates 9 accordance ) p>agraph 7#b74
  7e7 ,outrea*  7#a7 ,national website  
,n lat] ?an #bd mon?s aft] ! date (     
enactm5t ( ?is section1 ! ,secret>y (   
,education %all e/abli%1 ma9ta91 & make 
readily available to ! public ?r\gh !   
,dep>tm5t ( ,education's website a li/ (
 ! community-bas$ nonpr(it /ud5t loan   
consum] assi/ance programs receiv+ funds
 "u ?is section to assi/ borr[]s )      
locat+ & contact+ su* a program 9 _!    
community4  7#b7 ,f$]al /ud5t loan      
liaisons ,! ,secret>y ( ,education %all 
take su* /eps z may be necess>y to      
ensure t ea* hold]1 s]vic]1 & collector 
( ,f$]al /ud5t loans provides at lea/ "o
 individual repres5tative ( ! hold]1    
s]vic]1 or collector1 ref]r$ to 9 ?is   
p>agraph z a ,f$]al /ud5t loan liaison1 
:o w-- 7,a7 coord9ate ) community-bas$  
nonpr(it /ud5t loan consum] assi/ance   
programs receiv+ funds "u ?is section ) 
respect to inquiries1 issues1 &         
compla9ts f borr[]s1 includ+ !          

resolution ( su* inquiries1 issues1 &   
compla9ts2 &  7,b7 provide              
community-bas$ nonpr(it /ud5t loan      
consum] assi/ance programs receiv+ funds
 "u ?is section ) a direct me?od (      
communication to ! individual or        
dep>tm5t ( ! hold]1 s]vic]1 or collector
 :o is responsible = h&l+ escalat$      
issues or compla9ts4  7f7 ,def9itions ,9
 ?is section3 7#a7 ,borr[] ,! t]m borr[]
 means a borr[] or pot5tial borr[] ( a  
,f$]al /ud5t loan1 includ+ a p>5t :o is 
a borr[] ( a loan made on behalf ( a    
dep5d5t /ud5t4  7#b7 ,f$]al /ud5t loan  
,! t]m ,f$]al /ud5t loan means any      
,f$]al /ud5t loan made "u title ,,iv ( !
 ,high] ,education ,act ( #aife 7#bj    
,u4,s4,c4 #ajgj et seq47 or any o!r     
,f$]al law to cov] ! co/ ( att5dance ( a
 /ud5t at an in/itution ( high]         
education 7z def9$ 9 section #ajb ( su* 
,act ( #aife 7#bj ,u4,s4,c4 #ajjb774    
7g7 ,fund+  7#a7 ,initial fund+ ,!re is 
h]eby appropriat$ to ! ,secret>y (      
,education1 out ( any funds 9 !         

,treasury n o!rwise appropriat$1        
#hj1jjj1jjj = ! fir/ fiscal ye> beg9n+  
aft] ! date ( enactm5t ( ?is section1 to
 rema9 available until exp5d$4  7#b7    
,au?orization = subsequ5t ye>s ,9       
addition to am\nts appropriat$ "u       
p>agraph 7#a71 !re are au?oriz$ to be   
appropriat$ to ! ,secret>y ( ,education1
 = ea* fiscal ye> foll[+ ! fiscal ye>   
describ$ 9 p>agraph 7#a71 su* sums z may
 be necess>y to c>ry out ?is section4