arrow_back Back to App

Higher Education Act: Student Loan Repayment, Refinancing, and Forgiveness

This Act aims to improve access to higher education and reduce student debt. It introduces changes to loan repayment rules, enables refinancing, and expands loan forgiveness programs, including for public service employees and adjunct faculty. These changes are designed to help citizens manage their education-related financial obligations.
Key points
Enables the discharge of student loans in bankruptcy proceedings by removing specific exceptions in the bankruptcy code.
Establishes a program to refinance Federal and private student loans to allow borrowers to obtain interest rates from the 2016-2017 academic year.
Expands the definition of qualifying employment for the Public Service Loan Forgiveness (PSLF) program and includes adjunct faculty in loan forgiveness programs.
Introduces procedures for automatic income recertification and automatic enrollment in income-driven repayment plans for delinquent borrowers.
article Official text account_balance Process page
Expired
Citizen Poll
No votes cast
Additional Information
Print number: 117_HR_6424
Sponsor: Rep. DeFazio, Peter A. [D-OR-4]
Process start date: 2022-01-19
Lustra uses Artificial Intelligence. Verify details in source documents.
Summarized by: gemini-3-pro-preview
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

HIGHER ED Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_HR_6424.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2022-01-19.

What are the main provisions?

Key points include:

  • Enables the discharge of student loans in bankruptcy proceedings by removing specific exceptions in the bankruptcy code.
  • Establishes a program to refinance Federal and private student loans to allow borrowers to obtain interest rates from the 2016-2017 academic year.
  • Expands the definition of qualifying employment for the Public Service Loan Forgiveness (PSLF) program and includes adjunct faculty in loan forgiveness programs.
  • Introduces procedures for automatic income recertification and automatic enrollment in income-driven repayment plans for delinquent borrowers.
What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. DeFazio, Peter A. [D-OR-4].

What is the latest detailed status?

The latest detailed status is: Referred to the Subcommittee on Antitrust, Commercial, and Administrative Law.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2026-01-02.

CATEGORIES

Education Benefits Courts and Law