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Strengthening Loan Forgiveness for Public Servants Act

This bill creates a new system for canceling federal student loans for individuals in public service, applying to loans taken out after the law is enacted. Borrowers receive incremental debt cancellation after completing 2, 4, 6, 8, and 10 years of employment. Crucially, interest accrued during the years for which cancellation is granted and during application review will be canceled.
Key points
New incremental forgiveness structure: 100% of the loan can be canceled after 10 years of public service, distributed in stages (15%, 15%, 20%, 20%, 30%).
The benefit applies to Federal Direct Loans issued after the law's enactment date.
Loans are placed in deferment upon submission of an employment certification form, and interest accrued during cancellation years is canceled.
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Status: Expired
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Additional Information
Print number: 118_HR_10507
Sponsor: Rep. Swalwell, Eric [D-CA-14]
Process start date: 2024-12-18
System Note: Lustra is free, publicly auditable civic infrastructure — 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
AI work logs for this document launch

OFFICIAL LEGAL TITLE

Strengthening Loan Forgiveness for Public Servants Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 118_HR_10507.

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 2024-12-18.

What are the main provisions?

Key points include:

  • New incremental forgiveness structure: 100% of the loan can be canceled after 10 years of public service, distributed in stages (15%, 15%, 20%, 20%, 30%).
  • The benefit applies to Federal Direct Loans issued after the law's enactment date.
  • Loans are placed in deferment upon submission of an employment certification form, and interest accrued during cancellation years is canceled.
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. Swalwell, Eric [D-CA-14].

What is the latest detailed status?

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

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-30.

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

Education Benefits