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Congress·In Committee·3 months ago

House Bill Would Give Public Service Workers Gradual Student Loan Forgiveness Over 10 Years

Also known as: Strengthening Loan Forgiveness for Public Service Workers Act

Legislative Progress

✓ Filed
Review
House
Senate
President

Impacts

Positive Impacts(4)
Federal Employee
Helps
Student Loans
Helps
Student
Helps
Housing Assistance
Helps

Key Points

  • Gives people with new federal student loans who work in public service partial forgiveness over time: 15% after 2 years, 30% after 4, 45% after 6, 60% after 8, and the rest after 10 years
  • Counts only payments made while working in public service. Examples include government offices, public schools, and many nonprofits
  • Applies to new Federal Direct Loans taken out after the law starts; older loans keep current rules
  • Cancels interest for each year a chunk of debt is forgiven, and wipes interest while your application is reviewed so your balance does not grow
  • Pauses payments automatically while final forgiveness is processed, and lets the government confirm your job automatically when possible
EducationLabor EmploymentEconomy

Milestones

3 milestones3 actions
Nov 21, 2025House

Referred to the House Committee on Education and Workforce.

Nov 21, 2025

Introduced in House

Nov 21, 2025

Introduced in House

What Happens Next

Projected impacts based on AI analysis

within 6–12 months after the law starts

The Department of Education launches a simpler job check system and updated forms, with more automatic employer verification.

Public service workers spend less time on paperwork and are less likely to miss out because of form mistakes.

about 24 months after the law starts

The first group of new borrowers reaches 24 monthly payments and can get the first 15% of their original balance forgiven.

Teachers, nurses, social workers, and other public servants start seeing real cuts to their balances, and that year’s interest is erased.

years 4, 6, and 8 after the law starts

Rolling partial forgiveness windows open at 4, 6, and 8 years for new cohorts who kept working in public service while paying.

Borrowers who stay longer get 30%, 45%, and 60% of the original balance forgiven over time, with interest wiped in each of those years.

about 10 years after the law starts

The first new-loan cohort hits 120 payments and receives full cancellation of any remaining balance, with payments paused during final review.

People who serve a full 10 years see their remaining debt cleared, and they do not have to make payments while the final paperwork is processed.

Related News

10 articles
Washington Post·4 months ago

Trump moves to block public servants from loan forgiveness based on ideology

Education Department finalizes a rule letting the secretary disqualify certain employers from PSLF if their activities are deemed to have a “substantial illegal purpose,” triggering broad concern and expected legal challenges.

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Higher Ed Dive·4 months ago

Education Department tightens debt relief program for public servants

Final regulations bar organizations with a “substantial illegal purpose” from qualifying for PSLF. Advocates warn the change could politicize eligibility; ED says only a small number of employers would be affected each year.

C=
Associated Press·4 months ago

States and cities challenge Trump policy overhauling public service loan forgiveness

More than 20 states and a coalition of cities and nonprofits sue to block the new PSLF rule, arguing it unlawfully restricts eligibility and violates congressional intent; Education Department defends the policy.

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Source Information

Document Type

Congressional Bill

Official Title

Strengthening Loan Forgiveness for Public Service Workers Act

Bill NumberHR 6284
Congress119th Congress
ChamberHouse of Representatives
Latest ActionReferred to the House Committee on Education and Workforce.

Sponsor

Cosponsors

(6)
D: 6

Analysis generated by AI. While we strive for accuracy, this should not be considered legal or professional advice. Always verify information with official government sources.