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Student Loan Forgiveness for Educators in High-Need Areas

This act aims to assist teachers, school leaders, and early childhood educators working in high-need areas by forgiving their student loans. This allows educators to focus on teaching rather than debt repayment, encouraging service in challenging environments.
Key points
Teachers and early childhood educators serving 5 years in high-need schools or programs can receive 100% student loan forgiveness.
The act covers both federal FFEL and Direct Loan programs.
Monthly loan payments can be forgiven while engaged in qualifying service.
Parent PLUS loans taken out by parents for a qualifying educator student, or by a parent who is a qualifying educator, are also eligible.
Service performed before the act's effective date can count towards the 5-year requirement.
The act defines high-need schools and early childhood education programs, including those with a high percentage of low-income students and Head Start programs.
Educators teaching indigenous languages may qualify even without full state or tribal certification.
Individuals who received prior teacher loan forgiveness may be eligible for additional forgiveness on remaining loans.
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Expired
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Additional Information
Print number: 117_S_4867
Sponsor: Sen. Lujan, Ben Ray [D-NM]
Process start date: 2022-09-15
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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

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_S_4867.

Which chamber initiated this legislation?

This legislation was initiated in the Senate.

When did the legislative process begin?

The process officially started on 2022-09-15.

What are the main provisions?

Key points include:

  • Teachers and early childhood educators serving 5 years in high-need schools or programs can receive 100% student loan forgiveness.
  • The act covers both federal FFEL and Direct Loan programs.
  • Monthly loan payments can be forgiven while engaged in qualifying service.
  • Parent PLUS loans taken out by parents for a qualifying educator student, or by a parent who is a qualifying educator, are also eligible.
  • Service performed before the act's effective date can count towards the 5-year requirement.
  • The act defines high-need schools and early childhood education programs, including those with a high percentage of low-income students and Head Start programs.
  • Educators teaching indigenous languages may qualify even without full state or tribal certification.
  • Individuals who received prior teacher loan forgiveness may be eligible for additional forgiveness on remaining loans.
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. Lujan, Ben Ray [D-NM].

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

Education Benefits