Rep. Williams Introduces Clean Slate through Rehabilitation Act to Help Student Loan Borrowers
To amend the Higher Education Act of 1965 to remove all adverse credit history related to a loan from the credit history of a borrower who has rehabilitated the loan.
This bill is in the early stages of the legislative process and is currently sitting with the House Committee on Education and Workforce. The committee must review the bill before it can move forward, but no action has been taken since April 15, 2026. Most bills do not receive a committee vote, so this proposal is not moving forward at this time.
This bill only has support from one party so far and has just started the long process of becoming a law. Without support from the other party, it is unlikely to move forward.
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 have rehabilitated defaulted student loans would have cleaner credit reports, making it easier for them to qualify for mortgages and better interest rates. This could help a small number of would-be homebuyers who are currently shut out of homeownership because old student loan delinquencies are dragging down their credit scores.
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, news coverage, or related bills recorded for this bill yet.
Document Type
Congressional Bill
Official Title
To amend the Higher Education Act of 1965 to remove all adverse credit history related to a loan from the credit history of a borrower who has rehabilitated the loan.
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