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Easier Public Service Loan Forgiveness for Public Sector Workers

This bill aims to make it easier for individuals in public service to have their federal student loans forgiven. The changes expand the types of qualifying payments and employment periods, which should help millions of citizens reduce their debt and improve their financial situation. The new rules are designed to fix previous program issues that prevented many from benefiting.
Key points
Expanded Qualifying Payments: Many previously rejected payments, including those made during deferment and forbearance periods, will now count towards the 120 required payments.
Revised Public Service Employment Definition: Facilitates forgiveness for teachers, emergency responders, military personnel, and other public service professions, including flexible rules for part-time work for certain groups.
Parent PLUS Loan Forgiveness: Parents with Parent PLUS loans can qualify for forgiveness based on their own public service employment or that of the student for whom the loan was taken.
Recognition of Prior Employment: Borrowers who consolidated their loans will receive credit for years of public service employment and payments made on their original, pre-consolidation loans.
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Additional Information
Print number: 118_HR_7877
Sponsor: Rep. Norcross, Donald [D-NJ-1]
Process start date: 2024-04-05
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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

Second Chance at Public Service Loan Forgiveness Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 118_HR_7877.

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 2024-04-05.

What are the main provisions?

Key points include:

  • Expanded Qualifying Payments: Many previously rejected payments, including those made during deferment and forbearance periods, will now count towards the 120 required payments.
  • Revised Public Service Employment Definition: Facilitates forgiveness for teachers, emergency responders, military personnel, and other public service professions, including flexible rules for part-time work for certain groups.
  • Parent PLUS Loan Forgiveness: Parents with Parent PLUS loans can qualify for forgiveness based on their own public service employment or that of the student for whom the loan was taken.
  • Recognition of Prior Employment: Borrowers who consolidated their loans will receive credit for years of public service employment and payments made on their original, pre-consolidation 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 Rep. Norcross, Donald [D-NJ-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.

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