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Automatic Enrollment of Delinquent Student Borrowers into Income-Driven Repayment Plans

This Act establishes automatic procedures for enrolling federal student loan borrowers who are delinquent on payments into Income-Driven Repayment (IDR) plans. The goal is to prevent further delinquency and lower monthly payments for struggling borrowers who fail to actively select a new plan. To benefit from the lowest payments, borrowers must consent to the automatic disclosure of their income data from the IRS.
Key points
Automatic Safety Net for Delinquency: If you are 75 days delinquent on a student loan and your current payments are higher than an IDR plan, you will be automatically enrolled in the IDR plan offering the lowest monthly payment.
Simplified Income Verification: The Department of Education can automatically access your tax return information from the IRS to calculate IDR payments, provided you give affirmative, ongoing approval.
Support After Loan Rehabilitation: Borrowers successfully rehabilitating a defaulted loan will also be automatically placed into the most favorable income-driven repayment plan available.
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Additional Information
Print number: 118_HR_9192
Sponsor: Rep. Bonamici, Suzanne [D-OR-1]
Process start date: 2024-07-30
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Summarized by: gemini-2.5-flash-preview-09-2025
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

SIMPLE Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 118_HR_9192.

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 2024-07-30.

What are the main provisions?

Key points include:

  • Automatic Safety Net for Delinquency: If you are 75 days delinquent on a student loan and your current payments are higher than an IDR plan, you will be automatically enrolled in the IDR plan offering the lowest monthly payment.
  • Simplified Income Verification: The Department of Education can automatically access your tax return information from the IRS to calculate IDR payments, provided you give affirmative, ongoing approval.
  • Support After Loan Rehabilitation: Borrowers successfully rehabilitating a defaulted loan will also be automatically placed into the most favorable income-driven repayment plan available.
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: Introduced in House

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-26.

CATEGORIES

Education Benefits