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Parent student loan discharge if the student becomes permanently disabled

This bill aims to allow the discharge of federal student loans taken out by parents (Parent PLUS Loans) if the student on whose behalf the loan was received becomes permanently and totally disabled. This change is intended to alleviate the financial burden on parents who are responsible for the debt while their child is unable to engage in substantial gainful activity due to a severe, long-term disability. The new rules will apply to all outstanding and future loans, regardless of the disability's onset date.
Key points
Personal Finance: Parents who took out student loans for their child (Parent PLUS Loans) may apply for debt discharge if their child becomes permanently disabled.
Disability Definition: Discharge is possible if the student is unable to engage in any substantial gainful activity due to a medically determinable impairment expected to last for a continuous period of at least 60 months (5 years).
Applicability: The new rules apply to all outstanding loans received by a parent borrower, regardless of when the loan was taken out or when the student's disability began.
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Additional Information
Print number: 118_S_4333
Sponsor: Sen. Vance, J. D. [R-OH]
Process start date: 2024-05-14
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OFFICIAL LEGAL TITLE

Domenic and Ed’s Law

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 118_S_4333.

Which chamber initiated this legislation?

This legislation was initiated in the Senate.

When did the legislative process begin?

The process officially started on 2024-05-14.

What are the main provisions?

Key points include:

  • Personal Finance: Parents who took out student loans for their child (Parent PLUS Loans) may apply for debt discharge if their child becomes permanently disabled.
  • Disability Definition: Discharge is possible if the student is unable to engage in any substantial gainful activity due to a medically determinable impairment expected to last for a continuous period of at least 60 months (5 years).
  • Applicability: The new rules apply to all outstanding loans received by a parent borrower, regardless of when the loan was taken out or when the student's disability began.
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. Vance, J. D. [R-OH].

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 2025-12-30.

CATEGORIES

Education Benefits Family