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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.
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Status:
Expired
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Additional Information
Print number: 117_HR_6424
Sponsor: Rep. DeFazio, Peter A. [D-OR-4]
Process start date: 2022-01-19
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-3-pro-preview
Source data: api.congress.gov
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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.

What is the impact of this bill?

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.

CATEGORIES

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