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Student Loan Support: New Repayment Rules and Relief

This act aims to protect federal student loan borrowers after the COVID-19 repayment pause ends. It introduces new notification rules, simplifies repayment plan changes, and offers additional support for those facing financial hardship to prevent defaults.
Key points
More Information: Borrowers will receive at least six notices about payment resumption, income-driven repayment options, and choices for those in default.
Easier Repayment: Ability to self-certify income and family size for income-driven repayment plans for one year after payments resume.
Support for Delinquent Borrowers: Those who miss payments for 60 days will automatically receive a 90-day administrative forbearance and additional notifications about available options.
Economic Hardship Assistance: Ability to apply for an economic hardship deferment for one year after payments resume.
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Status:
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Additional Information
Student Loan Borrower Safety Net Act of 2023
Print number: HR 644
Sponsor: Rep. Bonamici, Suzanne [D-OR-1]
Process start date: 2023-01-31
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Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
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Summary & Status

Key Questions about Student Loan Support: New Repayment Rules and Relief

A structured overview of the legislative process, official sources, status and civic context.

What is the official ID of this bill?

The official print number for this legislation is HR 644.

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 2023-01-31.

What are the main provisions?

Key points include:

  • More Information: Borrowers will receive at least six notices about payment resumption, income-driven repayment options, and choices for those in default.
  • Easier Repayment: Ability to self-certify income and family size for income-driven repayment plans for one year after payments resume.
  • Support for Delinquent Borrowers: Those who miss payments for 60 days will automatically receive a 90-day administrative forbearance and additional notifications about available options.
  • Economic Hardship Assistance: Ability to apply for an economic hardship deferment for one year after payments resume.

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. Bonamici, Suzanne [D-OR-1].

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 2025-12-25.

Analysis and Potential Impact of HR 644

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