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Public Service Loan Forgiveness: Fewer Payments, Easier Rules

This bill makes it significantly easier for public service workers to get their federal student loans forgiven. It cuts the required payment time in half and counts more types of past payments and service periods, potentially helping many citizens get out of student debt faster.
Key points
Required monthly payments for loan forgiveness reduced from 120 to 60.
Past payments, including late or partial ones, will count towards forgiveness, making it easier to meet requirements.
Time in military active duty or Peace Corps counts towards forgiveness, even if payments were paused.
Certain consolidated loans, including PLUS for dependents, can now qualify for forgiveness.
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Additional Information
Print number: 117_S_4345
Sponsor: Sen. Whitehouse, Sheldon [D-RI]
Process start date: 2022-05-26
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Summarized by: gemini-2.5-flash-preview-04-17
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

Simplifying and Strengthening Public Service Loan Forgiveness Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_S_4345.

Which chamber initiated this legislation?

This legislation was initiated in the Senate.

When did the legislative process begin?

The process officially started on 2022-05-26.

What are the main provisions?

Key points include:

  • Required monthly payments for loan forgiveness reduced from 120 to 60.
  • Past payments, including late or partial ones, will count towards forgiveness, making it easier to meet requirements.
  • Time in military active duty or Peace Corps counts towards forgiveness, even if payments were paused.
  • Certain consolidated loans, including PLUS for dependents, can now qualify for forgiveness.
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 Sen. Whitehouse, Sheldon [D-RI].

What is the latest detailed status?

The latest detailed status is: Introduced in Senate

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-29.

CATEGORIES

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