,i  #aah? ,,congress  #b;d ,session  ,h4
 ,r4 #igec  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,septemb] #bc1        
#bjbd,ms4 ,adams 7= h]self1 ,ms4 ,wat]s1
 ,ms4 ,tlaib1 & ,mr4 ,davis ( ,ill9ois7 
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,education & ! ,work=ce
  ,a ,,bill  ,to am5d ! ,high]          
,education ,act ( #aife to provide      
relief = borr[]s ( ,f$]al ,direct ,,plus
 loans made on behalf ( /ud5ts4  #a4    
,%ort title ,?is ,act may be cit$ z !   
,p>5t ,plus ,p>ity ,act4  #b4 ,relief = 
borr[]s ( ,f$]al direct ,,plus loans    
made on behalf ( /ud5ts  7a7 ,expansion 
( repaym5t plan options  7#a7 ,9 g5]al  
,! ,high] ,education ,act ( #aife 7#bj  
,u4,s4,c4 #ajja et seq47 is am5d$-- 7,a7
 9 section #dbh7;b77#i77;,a7-- 7i7 9    
clause 7iv71 by /rik+ & aft] !          
semicolon2  7ii7 9 clause 7v71 by /rik+ 
1 except t ! plan describ$ 9 ?is clause 
%all n be available to a borr[] = a loan
 "u section #dbh;,b made on behalf ( a  
dep5d5t /ud5t or = a consolidation loan 

"u section #dbh;,c1 if ! proce$s ( su*  
loan 7 us$ to dis*>ge ! liability ( a   
loan "u section #dbh;,b made on behalf (
 a dep5d5t /ud5t4 & ins]t+ 2 &2 &  7iii7
 by add+ at ! end ! foll[+3  7vi7 beg9n+
 ,july #a1 #bjbd1 an income cont+5t     
repaym5t plan 7z describ$ 9 section     
#dee7;d77#a77;,d71 :i* plan %all include
 a ,pay z ,y ,e>n ,repaym5t plan & a    
,sav+ on a ,valuable ,education plan z  
describ$ 9 section #fhe4bji ( title #cd1
 ,code ( ,f$]al ,regulations 7or any    
simil> successor regulation71 except su*
 plans %all be available to ! borr[] (  
any loan made1 insur$1 or gu>ante$ "u   
?is "p74  2  7,b7 9 section #dbh;,c7c7--
 7i7 9 p>agraph 7#b77;,a7-- 7,i7 9 !    
fir/ s5t5ce by /rik+ 1 or income-bas$   
repaym5t s*$ules & ins]t+ 1 income-bas$1
 or1 beg9n+ ,july #a1 #bjbd1 income     
cont+5t 7z describ$ 9 section           
#dee7;d77#a77;,d771 repaym5t s*$ules2 & 
7,,ii7 9 ! second s5t5ce1 by /rik+ or   
income-bas$ & ins]t+ 1 income-bas$1 or  
income cont+5t2  7ii7 9 p>agraph 7#c7-- 

7,i7 9 subp>agraph 7,a7-- 7aa7 by ins]t+
 1 or1 beg9n+ ,july #a1 #bjbd1 an income
 cont+5t 7z describ$ 9 section          
#dee7;d77#a77;,d77 repaym5t s*$ule aft] 
an income-bas$ repaym5t s*$ule "u       
section #dic;,c2 &  7bb7 by ins]t+ &    
aft] ! semicolon2  7,,ii7 9 subp>agraph 
7,b71 by /rik+ 2 & & ins]t+ a p]iod2 &  
7,,iii7 by /rik+ subp>agraph 7,c72  7,c7
 9 section #dee7;d77#a7-- 7i7 9         
subp>agraph 7,d71 by /rik+ 1 except t ! 
plan describ$ 9 ?is subp>agraph %all n  
be available to ! borr[] ( a ,f$]al     
,direct ,,plus loan made on behalf ( a  
dep5d5t /ud5t & ins]t+ 1 :i* plan %all  
include1 beg9n+ ,july #a1 #bjbd1 a ,pay 
z ,y ,e>n ,repaym5t plan & a ,sav+ on a 
,valuable ,education plan z describ$ 9  
section #fhe4bji ( title #cd1 ,code (   
,f$]al ,regulations 7or any simil>      
successor regulation71 except t su*     
plans %all be available to ! borr[] (   
any loan made "u ?is "p2 &  7ii7 9      
subp>agraph 7,e71 by /rik+ 1 except t ! 
plan describ$ 9 ?is subp>agraph %all n  

be available to ! borr[] ( a ,f$]al     
,direct ,,plus ,loan made on behalf ( a 
dep5d5t /ud5t or a ,f$]al ,direct       
,consolidation ,loan1 if ! proce$s ( su*
 loan 7 us$ to dis*>ge ! liability on   
su* ,f$]al ,direct ,,plus ,loan or a    
loan "u section #dbh;,b made on behalf (
 a dep5d5t /ud5t2 &  7,d7 9 section     
#dic;,c-- 7i7 by /rik+ subsection 7a7 & 
ins]t+ ! foll[+3  7a7 ,def9ition (      
p>tial f9ancial h>d%ip ,9 ?is section1 !
 t]m p>tial f9ancial h>d%ip1 :5 us$ )   
respect to a borr[]1 means t = su*      
borr[]-- 7#a7 ! annual am\nt due on !   
total am\nt ( loans made1 insur$1 or    
gu>ante$ "u "p ,b or ,d to a borr[] z   
calculat$ "u ! /&>d repaym5t plan "u    
section #dbh7;b77#i77;,a77i7 or         
#dee7;d77#a77;,a71 bas$ on a #aj-ye>    
repaym5t p]iod2 exce$s  7#b7 #ae p]c5t (
 ! result obta9$ by calculat+1 on at    
lea/ an annual basis1 ! am\nt by :i*--  
7,a7 ! borr[]'s1 & ! borr[]'s sp\se's   
7if applicable71 adju/$ gross income2   
exce$s  7,b7 #aej p]c5t ( ! pov]ty l9e  

applicable to ! borr[]'s family size z  
det]m9$ "u section #fgc7b7 ( !          
,community ,s]vices ,block ,grant ,act  
7#db ,u4,s4,c4 #iijb7b774  2  7ii7 9    
subsection 7b7-- 7,i7 9 p>agraph 7#a71  
by /rik+ 7o!r ?an an except$ ,,plus loan
 or except$ consolidation loan72  7,,ii7
 9 p>agraph 7#f77;,a71 by /rik+ 7o!r ?an
 an except$ ,,plus loan or except$      
consolidation loan72 &  7,,iii7 9       
p>agraph 7#g71 by /rik+ 7o!r ?an a loan 
"u section #dbh;,b or a ,f$]al ,direct  
,,plus ,loan72 &  7iii7 9 subsection    
7c7-- 7,i7 9 p>agraph 7#a71 by /rik+    
7o!r ?an an except$ ,,plus loan or      
except$ consolidation loan72 &  7,,ii7 9
 p>agraph 7#b77;,b71 by /rik+ 7o!r ?an  
an except$ ,,plus loan or except$       
consolidation loan72 &  7iv7 9          
subsection 7e71 by /rik+ #bjad-- & all t
 foll[s ?r\gh ! p]iod at ! end & ins]t+ 
#bjad1 subsection 7a77#c77;,b7 %all be  
appli$ by sub/itut+ #aj p]c5t = #ae     
p]c5t44  7#b7 ,rule ( con/ruction ,no?+ 
9 ! am5dm5ts made "u p>agraph 7#a7 %all 

be con/ru$ to au?orize any refund+ ( any
 repaym5t ( a loan4  7b7 ,dis*>ge =     
total & p]man5t disability  7#a7 ,9     
g5]al  7,a7 ,"p ,b ,section #dcg7;a7 ( !
 ,high] ,education ,act ( #aife 7#bj    
,u4,s4,c4 #ajhg7;a77 is am5d$ by add+ at
 ! end ! foll[+3  7#d7 ,dis*>ge ( p>5t  
plus loans = total & p]man5t disability 
( /ud5t ,not)/&+ any o!r provision ( ?is
 ,act1 ! ,secret>y %all dis*>ge !       
liability on a loan made "u section     
#dbh;,b on behalf ( a /ud5t by repay+ ! 
am\nt ow$ on ! loan1 if ! /ud5t becomes 
p]man5tly & totally disabl$ 7z det]m9$ 9
 accordance ) regulations ( !           
,secret>y74  4  7,b7 ,"p ,d ,section    
#dee ( ! ,high] ,education ,act ( #aife 
7#bj ,u4,s4,c4 #ajhg;e7 is am5d$ by add+
 at ! end ! foll[+3  7q7 ,dis*>ge ( p>5t
 plus loans = total & p]man5t disability
 ( /ud5t ,not)/&+ any o!r provision (   
?is ,act1 ! ,secret>y %all dis*>ge !    
liability on a ,f$]al ,direct ,,plus    
loan made on behalf ( a /ud5t1 if !     
/ud5t becomes p]man5tly & totally       

disabl$ 7z det]m9$ 9 accordance )       
regulations ( ! ,secret>y74  4  7#b7    
,rule ( con/ruction ,no?+ 9 ! am5dm5ts  
made "u p>agraph 7#a7 %all be con/ru$ to
 au?orize any refund+ ( any repaym5t ( a
 loan4  7c7 ,eligibility = public s]vice
 loan =giv5ess = p>5t plus loans        
,section #dee7m7 ( ! ,high] ,education  
,act ( #aife 7#bj ,u4,s4,c4 #ajhg;e7m77 
is am5d$ by add+ at ! end ! foll[+3     
7#e7 ,p>5t ,,plus loan ,! ,secret>y %all
 cancel ! balance ( int]e/ & pr9cipal   
due on a ,f$]al ,direct ,,plus loan made
 on behalf ( a /ud5t aft] ! date (      
enactm5t ( ! ,p>5t ,plus ,p>ity ,act1 if
 ! /ud5t is a borr[] = :om ! ,secret>y  
has cancell$ ! obligation to repay !    
balance ( pr9cipal & int]e/ due on an   
eligible ,f$]al ,direct ,loan "u ?is    
subsection4  4  7d7 ,automatic dis*>ge  
7#a7 ,9 g5]al  7,a7 ,"p ,b ,section     
#dcg7;c7 ( ! ,high] ,education ,act (   
#aife 7#bj ,u4,s4,c4 #ajhg7;c77 is am5d$
 by add+ at ! end ! foll[+3  7#f7       
,automatic dis*>ge = p>5t plus loans ,if

 a /ud5t on ^: behalf a p>5t has receiv$
 a loan describ$ 9 section #dbh;,b is a 
borr[] = :om a loan has be5 dis*>g$     
pursuant to ?is subsection1 !n !        
,secret>y %all automatically dis*>ge !  
p>5t borr[]'s liability on ! loan       
describ$ 9 section #dbh;,b by repay+ !  
am\nt ow$ on ! loan4  4  7,b7 ,"p ,d    
,section #dee7;h7 ( ! ,high] ,education 
,act ( #aife 7#bj ,u4,s4,c4 #ajhg;e7h77 
is am5d$-- 7i7 by /rik+ ,not)/&+ &      
ins]t+ ! foll[+3  7#a7 ,9 g5]al ,not)/&+
  2 &  7ii7 by add+ at ! end ! foll[+3  
7#b7 ,automatic dis*>ge = p>5t plus     
loans ,if a /ud5t on ^: behalf a p>5t   
has receiv$ a ,f$]al ,direct ,,plus     
,loan is a borr[] = :om a loan made "u  
?is "p has be5 dis*>g$ pursuant to a    
def5se to repaym5t1 !n ! ,secret>y %all 
automatically dis*>ge ! p>5t borr[]'s   
liability on ! ,f$]al ,direct ,,plus    
,loan4  4  7#b7 ,rule ( con/ruction     
,no?+ 9 ! am5dm5ts made "u p>agraph 7#a7
 %all be con/ru$ to au?orize any refund+
 ( any repaym5t ( a loan4  7e7 ,dis*>ge 

= h>d%ip  7#a7 ,"p ,b ,section #dcg ( ! 
,high] ,education ,act ( #aife 7#bj     
,u4,s4,c4 #ajhg7 is am5d$ by add+ at !  
end ! foll[+3  7e7 ,dis*>ge ( p>5t plus 
loans = h>d%ip  7#a7 ,9 g5]al ,not)/&+  
any o!r provision ( ?is ,act1 !         
,secret>y %all dis*>ge ! liability on a 
loan made "u section #dbh;,b on behalf (
 a /ud5t by repay+ ! am\nt ow$ on !     
loan1 if ! ,secret>y det]m9es t ! p>5t  
borr[] has exp]i5c$ h>d%ip or may       
exp]i5ce future h>d%ip z a result ( su* 
a loan4  7#b7 ,factors t sub/antiate    
h>d%ip ,! ,secret>y %all e/abli% factors
 t demon/rate h>d%ip = ! purpose ( a    
dis*>ge "u p>agraph 7#a71 includ+ any ( 
! foll[+3 7,a7 ,income4  7,b7           
,borr[]-loan-debt-to-income ratio4  7,c7
 ,pot5tial future e>n+s4  7,d7 ,age ( a 
borr[]4  7,e7 ,age ( a loan4  7,f7      
,receipt ( public b5efits4  7,g7        
,receipt ( ,social ,security4  7,h7     
,borr[] disability4  7,i7 ,any o!r      
indicators ( h>d%ip id5tifi$ by !       
,secret>y4  7#c7 ,application ,!        

,secret>y %all create guidel9es & an    
application ?r\gh :i* a borr[] may      
submit records or o!r evid5ce ( h>d%ip  
or a /atem5t t atte/s to pres5t or      
future h>d%ip4  4  7#b7 ,"p ,d ,section 
#dee ( ! ,high] ,education ,act ( #aife 
7#bj ,u4,s4,c4 #ajhg;e71 z am5d$ by     
subsection 7b71 is fur!r am5d$ by add+  
at ! end ! foll[+3  7r7 ,dis*>ge ( p>5t 
plus loans = h>d%ip  7#a7 ,9 g5]al      
,not)/&+ any o!r provision ( ?is ,act1 !
 ,secret>y %all dis*>ge ! liability on a
 ,f$]al ,direct ,,plus loan made on     
behalf ( a /ud5t1 if ! ,secret>y        
det]m9es t ! p>5t borr[] has exp]i5c$   
h>d%ip or may exp]i5ce future h>d%ip z a
 result ( su* a loan4  7#b7 ,factors t  
sub/antiate h>d%ip ,! ,secret>y %all    
e/abli% factors t demon/rate h>d%ip = ! 
purpose ( a dis*>ge "u p>agraph 7#a71   
includ+ any ( ! foll[+3 7,a7 ,income4   
7,b7 ,borr[]-loan-debt-to-income ratio4 
7,c7 ,pot5tial future e>n+s4  7,d7 ,age 
( a borr[]4  7,e7 ,age ( a loan4  7,f7  
,receipt ( public b5efits4  7,g7        

,receipt ( ,social ,security4  7,h7     
,borr[] disability4  7,i7 ,any o!r      
indicators ( h>d%ip id5tifi$ by !       
,secret>y4  7#c7 ,application ,!        
,secret>y %all create guidel9es & an    
application ?r\gh :i* a borr[] may      
submit records or o!r evid5ce ( h>d%ip  
or a /atem5t t atte/s to pres5t or      
future h>d%ip4  4  7f7 ,delegation to ! 
secret>y ,congress delegates to !       
,secret>y ( ,education ! au?ority1 9    
issu+ regulations to c>ry out ! am5dm5ts
 made by ?is section1 to int]pret !     
provisions ( ! am5dm5ts made by ?is     
section1 tak+ into consid]ation co/ &   
public heal?4 ,a c\rt engag$ 9 judicial 
review ( ^? provisions1 includ+ judicial
 review "u section #gjf ( title #e1     
,unit$ ,/ates ,code1 %all det]m9e :e!r !
 ag5cy's int]pretation is bas$ on a     
p]missible con/ruction ( ! am5dm5ts made
 by ?is section4