Rep. Ross Introduces Clean Slate through Repayment Act to Clear Student Loan Defaults From Credit Reports
This bill is in the early stages of the legislative process and is currently sitting with the House Committee on Education and Workforce. Since its introduction on April 15, 2026, no further action has been taken. The bill will remain stalled unless the committee decides to review it.
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.
This bill’s path across every version that has carried it.
Reintroduced
Reintroduced from H.R. 4635 (118th), which died when its Congress ended.
H.R. 4635 (118th) →Scores run from -100 (strongly harmful) to +100 (strongly beneficial) for each group, combining impact, certainty, scope, and duration ratings of 1-5. How impact scoring works
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.
Referred to the House Committee on Education and Workforce.
Introduced in House
The bill was officially filed and given a number. It now enters the legislative queue.
No votes or related bills recorded for this bill yet.
Document Type
Congressional Bill
Official Title
Clean Slate through Repayment Act of 2026
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