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Clean Credit History After Student Loan Repayment

This bill aims to remove negative entries from the credit history of individuals who have fully repaid their student loan debts. This will allow citizens who have settled their obligations to improve their creditworthiness, making it easier for them to access mortgages, car loans, or other forms of financing.
Key points
Upon full repayment of a defaulted student loan, negative information related to the default will be removed from the borrower's credit history.
Improved credit history can facilitate access to better credit and financial terms for citizens.
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Expired
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Additional Information
Print number: 117_HR_6749
Sponsor: Rep. Ross, Deborah K. [D-NC-2]
Process start date: 2022-02-15
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Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

Clean Slate through Repayment Act of 2022

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_HR_6749.

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 2022-02-15.

What are the main provisions?

Key points include:

  • Upon full repayment of a defaulted student loan, negative information related to the default will be removed from the borrower's credit history.
  • Improved credit history can facilitate access to better credit and financial terms for citizens.
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. Ross, Deborah K. [D-NC-2].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Education and Labor.

Is this summary verified?

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

CATEGORIES

Education Economy