,i  #aai? ,,congress  #a/ ,session  ,h4 
,r4 #agei  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,febru>y #bg1         
#bjbe,ms4 ,wat]s 7= h]self1 ,ms4 ,adams1
 ,ms4 ,bynum1 ,mr4 ,c>son1 ,mr4 ,davis (
 ,ill9ois1 ,mr4 ,doggett1 ,ms4 ,jayapal1
 ,ms4 ,johnson ( ,texas1 ,ms4           
,mc,clellan1 ,mrs4 ,mc,iver1 ,ms4       
,norton1 ,mr4 ,olszewski1 ,mrs4         
,ramirez1 ,ms4 ,s*ak[sky1 ,ms4 ,sewell1 
,ms4 ,/ansbury1 ,mr4 ,swalwell1 ,mr4    
,?an$>1 ,mr4 ,?ompson ( ,mississippi1 & 
,ms4 ,tlaib7 introduc$ ! foll[+ bill2   
:i* 0 ref]r$ to ! ,committee on         
,education & ,work=ce  ,a ,,bill  ,to   
am5d ! ,high] ,education ,act ( #aife to
 all[ borr[]s ( ,p>5t ,,plus loans or   
loans "u section #dbh;,b made on behalf 
( a dep5d5t /ud5t to repay su* loans    
pursuant to an income-cont+5t repaym5t  
plan or income-bas$ repaym5t plan1 & =  
o!r purposes4  #a4 ,%ort title ,?is ,act
 may be cit$ z ! ,af=dable ,,plus       
,repaym5t ,options = ,p>5ts ,act (      
#bjbe4  #b4 ,income-cont+5t repaym5t    

plan ,section #dee ( ! ,high] ,education
 ,act ( #aife 7#bj ,u4,s4,c4 #ajhg;e7 is
 am5d$--  7#a7 9 subsection             
7d77#a77;,d71 by /rik+ 1 except t ! plan
 describ$ 9 ?is subp>agraph %all n be   
available to ! borr[] ( a ,f$]al ,direct
 ,,plus loan made on behalf ( a dep5d5t 
/ud5t2 &  7#b7 9 subsection 7e77#a71 by 
ins]t+ at ! end ! foll[+3 ,an income    
cont+5t repaym5t plan "u ?is subsection 
%all be available to a borr[] ( a ,f$]al
 ,direct ,,plus loan made on behalf ( a 
dep5d5t /ud5t or a ,f$]al ,direct       
,consolidation ,loan ! proce$s ( :i* 7  
us$ to dis*>ge ! liability on su* a     
,f$]al ,direct ,,plus loan44  #c4       
,income-bas$ repaym5t plan  7a7         
,cl>ification ( ,,ibr ,section          
#dee7;d77#a77;,e7 ( su* ,act 7#bj       
,u4,s4,c4 #ajhg;e7d77#a77;,e77 is am5d$ 
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$]al ,direct ,,plus  
,loan or a loan "u section #dbh;,b made 
on behalf ( a dep5d5t /ud5t4  7b7 ,,ibr 
,section #dic;,c ( ! ,high] ,education  
,act ( #aife 7#bj ,u4,s4,c4 #ajih;e7 is 
am5d$--  7#a7 by am5d+ subsection 7a7 to
 read z foll[s3  7a7 ,def9ition ,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  7#b7 9    
subsection 7b7-- 7,a7 9 p>agraph 7#a71  
by /rik+ 7o!r ?an an except$ ,,plus loan
 or except$ consolidation loan72  7,b7 9
 p>agraph 7#f77;,a71 by /rik+ 7o!r ?an  
an except$ ,,plus loan or except$       
consolidation loan72 &  7,c7 9 p>agraph 
7#g71 by /rik+ 7o!r ?an a loan "u       
section #dbh;,b or a ,f$]al ,direct     
,,plus ,loan72 &  7#c7 9 subsection     
7c7-- 7,a7 9 p>agraph 7#a71 by /rik+    
7o!r ?an an except$ ,,plus loan or      
except$ consolidation loan712 &  7,b7 9 
p>agraph 7#b77;,b71 by /rik+ 7o!r ?an an
 except$ ,,plus loan or except$         
consolidation loan74  #d4 ,effective    
date & application ,! am5dm5ts made by  
?is ,act %all take effect on ! date (   
enactm5t ( ?is ,act1 & %all apply )     
respect to ea* borr[] :o1 on or aft] su*
 date--  7#a7 has an out/&+ balance on a
 ,f$]al ,direct ,,plus ,loan 7or a loan 
"u section #dbh;,b7 made on behalf ( a  
dep5d5t /ud5t or a ,f$]al ,direct       
,consolidation ,loan ! proce$s ( :i* 7  

us$ to dis*>ge ! liability on su* a     
,f$]al ,direct ,,plus loan 7or on su* a 
loan "u section #dbh;,b72 &  7#b7 is    
repay+ or w repay su* loan pursuant to  
an income-cont+5t repaym5t plan "u      
section #dee7;e7 ( ! ,high] ,education  
,act ( #aife 7#bj ,u4,s4,c4 #ajhg;e7e77 
or an income-bas$ repaym5t plan "u      
section #dic;,c ( su* ,act 7#bj         
,u4,s4,c4 #ajih;e74