# 114-hr-3752: ExCEL Act of 2015

114-hr-3752, ExCEL Act of 2015, is a 114th Congress bill sponsored by Rep. Polis, Jared [D-CO-2] (D-CO); status Referred to the Subcommittee on Higher Education and Workforce Training. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/114-hr-3752
- As of: 2025-11-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 114-hr-3752
- Congress: 114
- Title: ExCEL Act of 2015
- Status: Referred to the Subcommittee on Higher Education and Workforce Training.
- Introduced: 2015-10-09
- Sponsor: Rep. Polis, Jared [D-CO-2] (D-CO)
- Cosponsors: 1
- Policy area: Education
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Earnings Contingent Education Loans Act of 2015 or the ExCEL Act of 2015 This bill amends the Higher Education Act of 1965 to replace several existing federal student loan programs with a single repayment plan that caps annual debt repayments based on the borrower's income. The bill terminates the authority of the Department of Education (ED) to make federal Direct Stafford Loans, Direct Unsubsidized Stafford Loans, and Direct PLUS loans, subject to exceptions for existing student borrowers, PLUS loans made to parents of undergraduates, and Direct Consolidation Loans. To replace the programs, the bill establishes the Income Dependent Education Assistance (IDEA) Loan Program and the IDEA Loan Repayment Program, which limit annual repayments based on the borrower's income and prohibit the accrual of interest on loans for active duty service members. Loans under the program are not eligible for the federal public service loan forgiveness program. The bill amends the Social Security Act (SSAct) to require ED and the Department of Health and Human Services to exchange information necessary to use the National Directory of New Hires to assist in the collection of student loans. The bill amends the Internal Revenue Code to require the Department of the Treasury to disclose to ED tax return information necessary to carry out the IDEA Loan Repayment Program.

## Cosponsors (1)

- Rep. Hanna, Richard L. [R-NY-22] (R-NY), 2015-10-09T00:00:00.000Z

## Related bills

- 114-hr-5373: LGBT Data Inclusion Act
- 114-hr-5090: To ensure that air transportation between the United States and the European Union complies with the intent of article 17 bis of the United States-European Uni…
- 114-hr-4938: Free File Act of 2016
- 114-hr-4764: Puppies Assisting Wounded Servicemembers (PAWS) Act of 2016
- 114-hr-4626: BRACE Act
- 114-hr-4625: Firefighter Cancer Registry Act of 2016

## Sources
- [114-hr-3752 on Congress.gov](https://www.congress.gov/bill/114th-congress/house-bill/3752)

## Related
- [114-hr-5373: LGBT Data Inclusion Act](https://policyrisk.com/legislation/114-hr-5373)
- [114-hr-5090: To ensure that air transportation between the United States and the European Un…](https://policyrisk.com/legislation/114-hr-5090)
- [114-hr-4938: Free File Act of 2016](https://policyrisk.com/legislation/114-hr-4938)
- [114-hr-4764: Puppies Assisting Wounded Servicemembers (PAWS) Act of 2016](https://policyrisk.com/legislation/114-hr-4764)
- [114-hr-4626: BRACE Act](https://policyrisk.com/legislation/114-hr-4626)
- [114-hr-4625: Firefighter Cancer Registry Act of 2016](https://policyrisk.com/legislation/114-hr-4625)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/114-hr-3752 (as of 2025-11-18).