Congress·In Committee·H.R. 8351

Clean Slate through Repayment Act of 2026

Rep. Ross Introduces Clean Slate through Repayment Act to Clear Student Loan Defaults From Credit Reports

23 days ago·View on Congress.gov·Read full text

The Clean Slate through Repayment Act of 2026 is currently in the early stages of the legislative process. It was recently sent to the House Committee on Education and Workforce for review. There are no upcoming votes scheduled at this time, and the bill is still in the beginning phase.

Legislative Progress

House

Senate

President

Law

Unlikely to pass

The bill currently only has support from one party. Without support from the other side, it will be difficult to get a vote in the House or Senate.

Key Points

EducationEconomy Finance

Impact Analysis

Personal Impact

Life & Work

People who had a student loan default on their credit report often struggle to qualify for a mortgage. By clearing that default after full repayment, this bill could help some former borrowers become eligible for home loans and better interest rates sooner than the current seven-year waiting period for the default to fall off naturally.

ImpactCertaintyScopeDurationSentiment

Programs

Milestones

2 milestones2 actions

Apr 16, 2026House

Referred to the House Committee on Education and Workforce.

Apr 16, 2026

Introduced in House

The bill was officially filed and given a number. It now enters the legislative queue.

Votes

No votes have been recorded for this legislation yet.

Related News

1 article

NASFAA·18 days ago

Lawmakers Reintroduce Series of 'Clean Slate' Legislation to Provide Relief to Previously Defaulted Borrowers

Lawmakers reintroduced a series of bills, including the Clean Slate Through Repayment Act, to remove default records from the credit history of federal student loan borrowers who have repaid their loans in full. The bill aims to help borrowers hit the reset button on their financial futures.

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