,i  #aah? ,,congress  #a/ ,session  ,h4 
,r4 #fdd  ,,9 ,,! ,,h\se ,,(            
,,repres5tatives  ,janu>y #ca1 #bjbc,ms4
 ,bonamici 7= h]self1 ,mrs4 ,mc,bath1   
,ms4 ,wild1 ,ms4 ,norton1 ,ms4 ,wilson (
 ,florida1 ,mr4 ,c>son1 ,mr4 ,v>gas1    
,mr4 ,cleav]1 ,mr4 ,davis ( ,ill9ois1   
,mr4 ,evans1 ,mr4 ,?ompson ( ,cali=nia1 
,ms4 ,titus1 ,mr4 ,takano1 ,mr4         
,c\rtney1 & ,ms4 ,sal9as7 introduc$ !   
foll[+ bill2 :i* 0 ref]r$ to !          
,committee on ,education & ! ,work=ce   
,a ,,bill  ,to protect borr[]s ( ,f$]al 
/ud5t loans dur+ ! transition p]iod     
foll[+ ! end ( ! ,,covid-#ai /ud5t loan 
repaym5t pause1 & = o!r purposes4  #a4  
,%ort title ,?is ,act may be cit$ z !   
,/ud5t ,loan ,borr[] ,safety ,net ,act (
 #bjbc4  #b4 ,ext5sion ( application &  
rec]tification deadl9e  7a7 ,9 g5]al    
,section #ceac ( ! ,,c>es ,act 7#bj     
,u4,s4,c4 #ajja note7 is am5d$-- 7#a7 by
 am5d+ subsection 7g7 to read z foll[s3 
7g7 ,notice to borr[]s ( cov]$ loans    
relat+ to transition p]iod ,n lat] ?an !

 date t is #fj days prior to ! fir/ day 
on :i* a borr[]'s paym5t obligations on 
a cov]$ loan are no long] susp5d$1 z    
det]m9$ by ! ,secret>y1 ! ,secret>y %all
 c>ry out a program to provide a total (
 n few] ?an #f notices ?r\gh a          
comb9ation ( po/al mail1 telephone1 &   
electronic communication to su* a borr[]
 indicat+-- 7#a7 :5 ! borr[]'s normal   
paym5t obligations w resume2  7#b7 t !  
borr[] may be eligible to enroll 9      
income-driv5 repaym5t1 includ+ a brief  
description ( ! mo/ af=dable & g5]\s    
income-driv5 repaym5t options2 &  7#c7 !
 options available to a borr[] :o is 9  
default1 includ+-- 7,a7 ! option to     
p>ticipate 9 ! ,fre% ,/>t program ( !   
,dep>tm5t ( ,education2  7,b7 ! option  
to rehabilitate or consolidate !        
borr[]'s loans2 &  7,c7 a brief         
description ( ! b5efits & consequ5ces ( 
ea* option4  2 &  7#b7 by add+ at ! end 
! foll[+3  7h7 ,priority notification   
7#a7 ,9 g5]al ,9 c>ry+ out subsection   
7g71 ! ,secret>y %all give priority 9   

accordance ) p>agraph 7#b7 to notify+   
borr[]s :o-- 7,a7 dur+ ! #e-ye> p]iod   
prec$+ ,m>* #ca1 #bjbj1 miss$ a paym5t  
or paym5ts = a p]iod ( n less ?an #fj   
days ) respect to a cov]$ loan2 &  7,b7 
9 ! #e ye>s prec$+ ,m>* #ca1 #bjbj-- 7i7
 miss$ a paym5t 9 ! fir/ #c mon?s (     
ent]+ repaym5t ) respect to su* a cov]$ 
loan2  7ii7 ent]$ into a                
non-adm9i/rative =be>ance or a economic 
h>d%ip def]m5t ) respect to su* a cov]$ 
loan-- 7,i7 on #b or m occasions2 or    
7,,ii7 = a p]iod ( long] ?an #a ye>2    
7iii7 7 enroll$ & subsequ5tly un5roll$1 
or *ang$ to less-?an-half-"t enrollm5t  
/atus1 m ?an twice aft] ent]+ repaym5t )
 respect to su* a cov]$ loan2  7iv7     
default$ on su* a cov]$ loan2 or  7v7 on
 #c or m occasions1 miss$ two or m      
consecutive paym5ts ) respect to su* a  
cov]$ loan4  7#b7 ,priority ,9 c>ry+ out
 p>agraph 7#a71 ! ,secret>y %all-- 7,a7 
notify borr[]s describ$ 9 su* p>agraph (
 ! in=mation specifi$ 9 subsection 7g7  
?r\gh at lea/ #c additional & subsequ5t 

notifications aft] ! initial            
notification2 or  7,b7 c>ry out o!r     
evid5ce-bas$ outrea* activities t are   
design$ to assi/ /ruggl+ borr[]s or     
borr[]s :o 7 o!rwise at risk = default  
be=e ! ,,covid-#ai p&emic1 & report to  
,congress on su* activities4  7i7       
,application or rec]tification  7#a7 ,9 
g5]al ,a borr[] ( a cov]$ loan may--    
7,a7 dur+ ! p]iod beg9n+ on ! date (    
enactm5t ( ! ,/ud5t ,loan ,borr[]       
,safety ,net ,act ( #bjbc1 & end+ on !  
date t is "o ye> aft] ! fir/ day on :i* 
a borr[]'s paym5t obligations on su*    
loan are no long] susp5d$1 submit a     
writt51 v]bal1 or electronic application
 or reapplication = an income-driv5     
repaym5t plan ) respect to su* loan2 &  
7,b7 "u an application describ$ 9       
subp>agraph 7,a71 self-c]tify ! income &
 family size ( su* borr[]4  7#b7 ,*ange 
( repaym5t plans ,) respect to a cov]$  
loan1 9 ! case ( a borr[] ( su* a loan  
:o opts to *ange ! repaym5t plan 9 :i*  
su* borr[] 0 enroll$ on ! date ( !      

enactm5t ( ?is section-- 7,a7 no fee or 
paym5t %all be requir$ dur+ ! p]iod 9   
:i* x takes su* borr[] to become enroll$
 9 su* repaym5t plan2 &  7,b7 be=e !    
borr[] selects a new repaym5t plan1 !   
,secret>y %all notify ! borr[] ( ! mo/  
af=dable & g5]\s repaym5t plan available
 to ! borr[]4  7#c7 ,economic h>d%ip    
7,a7 ,9 g5]al ,a borr[] ( a cov]$ loan  
:o1 due to an economic h>d%ip1 is unable
 to make paym5ts ) respect to su* loan  
on or aft] ! fir/ day on :i* ! borr[]'s 
paym5t obligations on su* loan are no   
long] susp5d$1 may apply to ! ,secret>y 
= an economic h>d%ip def]m5t = ! p]iod  
beg9n+ on ! date ( enactm5t ( ! ,/ud5t  
,loan ,borr[] ,safety ,net ,act ( #bjbc 
& end+ on ! date t is "o ye> aft] ! fir/
 day on :i* ! borr[]'s paym5t           
obligations on su* loan are no long]    
susp5d$4 ,to apply = su* a def]m5t1 a   
borr[] %all submit a writt51 v]bal1 or  
electronic c]tification ( su* economic  
h>d%ip to ! ,secret>y4  7,b7            
,notification ,! ,secret>y & any o!r    

s]vic] ( a cov]$ loan %all notify       
borr[]s :o miss a paym5t on su* a loan (
 ! availability (-- 7i7 income-driv5    
repaym5t plans available 9 accordance ) 
p>agraph 7#a72 &  7ii7 an economic      
h>d%ip def]m5t "u ?is p>agraph4  7,c7   
,treatm5t ( borr[] ) economic h>d%ip ,9 
! case ( a borr[] :o submits            
c]tification ( an economic h>d%ip "u    
subp>agraph 7,a71 ! ,secret>y %all treat
 su* borr[] 9 ! same mann] z a borr[] ) 
an economic h>d%ip "u section #dce7o7 ( 
! ,high] ,education ,act ( #aife 7#bj   
,u4,s4,c4 #ajhe7o774  7j7 ,miss$ paym5ts
 ,9 ! case ( a borr[] ( a cov]$ loan :o 
misses a paym5t or paym5ts on su* a loan
 = ! #fj-;day p]iod beg9n+ on ! fir/ day
 on :i* ! borr[]'s paym5t obligations on
 su* loan are no long] susp5d$1 !       
,secret>y or ! hold] ( a loan describ$ 9
 subsection 7k77#b7 %all-- 7#a7 hold su*
 loan 9 adm9i/rative =be>ance = a       
#ij-;day p]iod beg9n+ on ! date t is #fj
 days aft] ! fir/ day on :i* ! borr[]'s 
paym5t obligations on su* loan are no   

long] susp5d$2 &  7#b7 contact su*      
borr[] on at lea/ #f sep>ate occasions  
reg>d+ ! in=mation includ$ 9 subsection 
7g74  7k7 ,cov]$ loan ,9 ?is section1 ! 
t]m cov]$ loan means-- 7#a7 a loan      
describ$ 9 subsection 7a72 or  7#b7 a   
loan-- 7,a7 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 = :i* paym5ts 7 
susp5d$-- 7i7 pursuant to ! ,high]      
,education ,relief ,opportunities =     
,/ud5ts ,act ( #bjjc 7,public ,law      
#ajh-gf2 #bj ,u4,s4,c4 #ajgj note72 &   
7ii7 dur+ a qualify+ em]g5cy4  4