Sponsored By: Representative Rep. Courtney, Joe [D-CT-2]
Introduced
Major overhaul of Public Service Loan Forgiveness (PSLF) rules. It would redraw how qualifying payments are counted, expand who counts as public service, and create buyback and online tools to track progress toward forgiveness.
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5 provisions identified: 5 benefits, 0 costs, 0 mixed.
If enacted, you could make a lump-sum buyback to turn past public service months into qualifying payments. You would need at least 96 months in a public service job but fewer than 96 qualifying payments. The buyback would equal what you would have paid under a qualifying plan for those months. Loans in default or already paid off would not qualify, and you could not buy months before a consolidation date.
If enacted, Public Service Loan Forgiveness would require 96 qualifying monthly payments made after Oct 1, 2007. You would need to work in public service during each of those months, but not at the moment of cancellation. More payment types and certain deferments or forbearances would count, and independent contractors would be treated as employees for this purpose. Full-time generally means 30 or more hours a week. For consolidation, prior qualifying months would be counted using a weighted average, and payments once counted could not be taken away later.
If enacted, if your forgiveness application is denied, you would get a 90‑day forbearance starting on the denial date. During that pause, you would not need to pay, and unpaid interest could not be added to your principal. You could ask for reconsideration within 90 days, and the Department would decide within six months. Separately, interest from any deferment or forbearance would not be capitalized when the pause ends.
If enacted, the government would launch an online borrower portal and a public, searchable list of public service jobs. The portal would show your eligible Direct Loans, how many qualifying payments you have, and an estimate of how many remain. It would provide clear instructions, e-forms, and employer e-signatures, including for buybacks and consolidation effects. The jobs database would be kept up to date.
If enacted, extra amounts you pay in a qualifying month would first cover the next month and up to three months total. Any money left after that would go to principal. If your amount due is $0, your extra would go straight to principal. You could also ask up front to send any extra straight to principal.
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Rep. Courtney, Joe [D-CT-2]
CT • D
Rep. DeSaulnier, Mark [D-CA-10]
CA • D
Sponsored 4/10/2025
Rep. Jacobs, Sara [D-CA-51]
CA • D
Sponsored 12/5/2025
Rep. Salinas, Andrea [D-OR-6]
OR • D
Sponsored 12/16/2025
Rep. Crockett, Jasmine [D-TX-30]
TX • D
Sponsored 2/9/2026
Rep. Larson, John B. [D-CT-1]
CT • D
Sponsored 3/12/2026
No roll call votes available for this bill.
View on Congress.govSurfaced from PRIA's policy knowledge graph — ranked by signal strength, connected by evidence.
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