,i  #aahth ,,congress  #ast ,session    
,h4 ,r4 #fdd  ,,in ,,the ,,house ,,of   
,,representatives  ,january #ca1        
#bjbc,ms4 ,bonamici 7for herself1 ,mrs4 
,mc,bath1 ,ms4 ,wild1 ,ms4 ,norton1 ,ms4
 ,wilson of ,florida1 ,mr4 ,carson1 ,mr4
 ,vargas1 ,mr4 ,cleaver1 ,mr4 ,davis of 
,illinois1 ,mr4 ,evans1 ,mr4 ,thompson  
of ,california1 ,ms4 ,titus1 ,mr4       
,takano1 ,mr4 ,courtney1 and ,ms4       
,salinas7 introduced the following bill2
 which was referred to the ,committee on
 ,education and the ,workforce  ,a      
,,bill  ,to protect borrowers of        
,federal student loans during the       
transition period following the end of  
the ,,covid-#ai student loan repayment  
pause1 and for other purposes4  #a4     
,short title ,this ,act may be cited as 
the ,student ,loan ,borrower ,safety    
,net ,act of #bjbc4  #b4 ,extension of  
application and recertification deadline
  7a7 ,in general ,section #ceac of the 
,,cares ,act 7#bj ,u4,s4,c4 #ajja note7 
is amended-- 7#a7 by amending subsection

 7g7 to read as follows3  7g7 ,notice to
 borrowers of covered loans relating to 
transition period ,not later than the   
date that is #fj days prior to the first
 day on which a borrower's payment      
obligations on a covered loan are no    
longer suspended1 as determined by the  
,secretary1 the ,secretary shall carry  
out a program to provide a total of not 
fewer than #f notices through a         
combination of postal mail1 telephone1  
and electronic communication to such a  
borrower indicating-- 7#a7 when the     
borrower's normal payment obligations   
will resume2  7#b7 that the borrower may
 be eligible to enroll in income-driven 
repayment1 including a brief description
 of the most affordable and generous    
income-driven repayment options2 and    
7#c7 the options available to a borrower
 who is in default1 including-- 7,a7 the
 option to participate in the ,fresh    
,start program of the ,department of    
,education2  7,b7 the option to         
rehabilitate or consolidate the         

borrower's loans2 and  7,c7 a brief     
description of the benefits and         
consequences of each option4  2 and     
7#b7 by adding at the end the following3
  7h7 ,priority notification  7#a7 ,in  
general ,in carrying out subsection 7g71
 the ,secretary shall give priority in  
accordance with paragraph 7#b7 to       
notifying borrowers who-- 7,a7 during   
the #e-year period preceding ,march #ca1
 #bjbj1 missed a payment or payments for
 a period of not less than #fj days with
 respect to a covered loan2 and  7,b7 in
 the #e years preceding ,march #ca1     
#bjbj-- 7i7 missed a payment in the     
first #c months of entering repayment   
with respect to such a covered loan2    
7ii7 entered into a non-administrative  
forbearance or a economic hardship      
deferment with respect to such a covered
 loan-- 7,i7 on #b or more occasions2 or
  7,,ii7 for a period of longer than #a 
year2  7iii7 were enrolled and          
subsequently unenrolled1 or changed to  
less-than-half-time enrollment status1  

more than twice after entering repayment
 with respect to such a covered loan2   
7iv7 defaulted on such a covered loan2  
or  7v7 on #c or more occasions1 missed 
two or more consecutive payments with   
respect to such a covered loan4  7#b7   
,priority ,in carrying out paragraph    
7#a71 the ,secretary shall-- 7,a7 notify
 borrowers described in such paragraph  
of the information specified in         
subsection 7g7 through at least #c      
additional and subsequent notifications 
after the initial notification2 or  7,b7
 carry out other evidence-based outreach
 activities that are designed to assist 
struggling borrowers or borrowers who   
were otherwise at risk for default      
before the ,,covid-#ai pandemic1 and    
report to ,congress on such activities4 
7i7 ,application or recertification     
7#a7 ,in general ,a borrower of a       
covered loan may-- 7,a7 during the      
period beginning on the date of         
enactment of the ,student ,loan         
,borrower ,safety ,net ,act of #bjbc1   

and ending on the date that is one year 
after the first day on which a          
borrower's payment obligations on such  
loan are no longer suspended1 submit a  
written1 verbal1 or electronic          
application or reapplication for an     
income-driven repayment plan with       
respect to such loan2 and  7,b7 under an
 application described in subparagraph  
7,a71 self-certify the income and family
 size of such borrower4  7#b7 ,change of
 repayment plans ,with respect to a     
covered loan1 in the case of a borrower 
of such a loan who opts to change the   
repayment plan in which such borrower   
was enrolled on the date of the         
enactment of this section-- 7,a7 no fee 
or payment shall be required during the 
period in which it takes such borrower  
to become enrolled in such repayment    
plan2 and  7,b7 before the borrower     
selects a new repayment plan1 the       
,secretary shall notify the borrower of 
the most affordable and generous        
repayment plan available to the         

borrower4  7#c7 ,economic hardship  7,a7
 ,in general ,a borrower of a covered   
loan who1 due to an economic hardship1  
is unable to make payments with respect 
to such loan on or after the first day  
on which the borrower's payment         
obligations on such loan are no longer  
suspended1 may apply to the ,secretary  
for an economic hardship deferment for  
the period beginning on the date of     
enactment of the ,student ,loan         
,borrower ,safety ,net ,act of #bjbc and
 ending on the date that is one year    
after the first day on which the        
borrower's payment obligations on such  
loan are no longer suspended4 ,to apply 
for such a deferment1 a borrower shall  
submit a written1 verbal1 or electronic 
certification of such economic hardship 
to the ,secretary4  7,b7 ,notification  
,the ,secretary and any other servicer  
of a covered loan shall notify borrowers
 who miss a payment on such a loan of   
the availability of-- 7i7 income-driven 
repayment plans available in accordance 

with paragraph 7#a72 and  7ii7 an       
economic hardship deferment under this  
paragraph4  7,c7 ,treatment of borrower 
with economic hardship ,in the case of a
 borrower who submits certification of  
an economic hardship under subparagraph 
7,a71 the ,secretary shall treat such   
borrower in the same manner as a        
borrower with an economic hardship under
 section #dce7o7 of the ,higher         
,education ,act of #aife 7#bj ,u4,s4,c4 
#ajhe7o774  7j7 ,missed payments ,in the
 case of a borrower of a covered loan   
who misses a payment or payments on such
 a loan for the #fj-;day period         
beginning on the first day on which the 
borrower's payment obligations on such  
loan are no longer suspended1 the       
,secretary or the holder of a loan      
described in subsection 7k77#b7 shall-- 
7#a7 hold such loan in administrative   
forbearance for a #ij-;day period       
beginning on the date that is #fj days  
after the first day on which the        
borrower's payment obligations on such  

loan are no longer suspended2 and  7#b7 
contact such borrower on at least #f    
separate occasions regarding the        
information included in subsection 7g74 
7k7 ,covered loan ,in this section1 the 
term covered loan means-- 7#a7 a loan   
described in subsection 7a72 or  7#b7 a 
loan-- 7,a7 made1 insured1 or guaranteed
 under part ,b of title ,,iv of the     
,higher ,education ,act of #aife 7#bj   
,u4,s4,c4 #ajga et seq472 and  7,b7 for 
which payments were suspended-- 7i7     
pursuant to the ,higher ,education      
,relief ,opportunities for ,students    
,act of #bjjc 7,public ,law #ajh-gf2 #bj
 ,u4,s4,c4 #ajgj note72 and  7ii7 during
 a qualifying emergency4  4