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Student Loan Forgiveness for Educators in High-Need Schools

New rules make it easier for teachers, school leaders, and early childhood educators in high-need areas to get their student loans forgiven. Individuals can receive full loan forgiveness after 5 years of service, and also get monthly loan payments covered while serving. The goal is to encourage professionals to work in schools and early education programs that need support the most.
Key points
Full student loan forgiveness (including interest and fees) after 5 years of service in high-need schools or early childhood education programs.
Monthly loan payment coverage while actively serving, reducing immediate financial burdens.
Program covers elementary and secondary school teachers, early childhood educators, school leaders, and early childhood program directors, including family child care providers.
Parent PLUS loans can qualify for forgiveness if the student or parent meets the educator service requirements.
Service periods completed before the law's enactment can count towards the required 5-year service.
No penalty for ending service early before the 5-year period; forgiven amounts do not need to be repaid.
Special rule for Native language educators: they can qualify without full state or tribal certification.
The Department of Education will publish a list of high-need schools to help identify eligible workplaces.
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Additional Information
Print number: 117_HR_8856
Sponsor: Rep. Leger Fernandez, Teresa [D-NM-3]
Process start date: 2022-09-15
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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

Loan Forgiveness for Educators Act of 2022

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_HR_8856.

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 2022-09-15.

What are the main provisions?

Key points include:

  • Full student loan forgiveness (including interest and fees) after 5 years of service in high-need schools or early childhood education programs.
  • Monthly loan payment coverage while actively serving, reducing immediate financial burdens.
  • Program covers elementary and secondary school teachers, early childhood educators, school leaders, and early childhood program directors, including family child care providers.
  • Parent PLUS loans can qualify for forgiveness if the student or parent meets the educator service requirements.
  • Service periods completed before the law's enactment can count towards the required 5-year service.
  • No penalty for ending service early before the 5-year period; forgiven amounts do not need to be repaid.
  • Special rule for Native language educators: they can qualify without full state or tribal certification.
  • The Department of Education will publish a list of high-need schools to help identify eligible workplaces.
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. Leger Fernandez, Teresa [D-NM-3].

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.

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Education Benefits