What is the official ID of this bill?

The official print number for this legislation is HR 4797.

When did the legislative process begin?

The process officially started on 2021-07-29.

Where can I read the full text of this legislation?

The full official text is available at: https://www.congress.gov/117/bills/hr4797/BILLS-117hr4797ih.htm

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-28.

Who is the primary sponsor?

The primary sponsor is Rep. Carter, Troy [D-LA-2].

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

What is the latest detailed status?

The latest detailed status is: Introduced in House

Analysis and Potential Impact of HR 4797

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge. Review our public AI processing logs for full transparency, and use Lustra to track active legislation for instant status push notifications.

Student Loan Forgiveness Up to $50,000 and Payment Pause

Q: What are the main provisions?

Key points include: Discharge of up to $50,000 in federal student loan debt per borrower, regardless of repayment status. Automatic administrative forbearance for 12 months, pausing payments and stopping interest accrual. Prohibition on wage garnishment and other collection actions for 12 months. Removal of default records from credit history for discharged loans that were previously in default. Discharged loan amounts are excluded from taxable income.

This act aims to discharge up to $50,000 of federal student loan debt for each borrower. Additionally, for 12 months from the act's enactment, loan payments will be paused, and interest will not accrue. This provides financial relief to millions of Americans, reducing their loan burdens and protecting them from collection actions.

Key points

Discharge of up to $50,000 in federal student loan debt per borrower, regardless of repayment status.

Automatic administrative forbearance for 12 months, pausing payments and stopping interest accrual.

Prohibition on wage garnishment and other collection actions for 12 months.

Removal of default records from credit history for discharged loans that were previously in default.

Discharged loan amounts are excluded from taxable income.

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Status:

Expired

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Additional Information

Student Loan Relief Act

Print number: HR 4797

Sponsor: Rep. Carter, Troy [D-LA-2]

Process start date: 2021-07-29

System Note: Lustra is free, publicly auditable civic infrastructure, with full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source, always verify them if you can.

Summarized by: gemini-2.5-flash-preview-05-20

Source data: api.congress.gov

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Student Loan Forgiveness Up to $50,000 and Payment Pause

Key Questions about Student Loan Forgiveness Up to $50,000 and Payment Pause