# 115-hr-3630: Student Loan Borrowers' Bill of Rights Act of 2017

115-hr-3630, Student Loan Borrowers' Bill of Rights Act of 2017, is a 115th Congress bill sponsored by Rep. Wilson, Frederica S. [D-FL-24] (D-FL); status Referred to the Committee on Education and the Workforce, and in addition to the Committees on Ways and Means, the Judiciary, and Oversight and Government Reform, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/115-hr-3630
- As of: 2025-11-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 115-hr-3630
- Congress: 115
- Title: Student Loan Borrowers' Bill of Rights Act of 2017
- Status: Referred to the Committee on Education and the Workforce, and in addition to the Committees on Ways and Means, the Judiciary, and Oversight and Government Reform, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
- Introduced: 2017-07-28
- Sponsor: Rep. Wilson, Frederica S. [D-FL-24] (D-FL)
- Cosponsors: 0
- Policy area: Education
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Student Loan Borrowers' Bill of Rights Act of 2017 This bill allows educational loans to be discharged in bankruptcy cases. In addition, the bill amends title IV (Student Assistance) of the Higher Education Act of 1965 to reinstate the six-year statute of limitations for certain student loans. The bill prohibits the collection of amounts individuals owe the Department of Education (ED) under title IV through: (1) offsets of Social Security, railroad retirement, or black lung benefits; (2) offsets of tax refunds; or (3) wage garnishment. The bill amends the Internal Revenue Code to (1) exclude discharged student loan debt from an individual's gross income, and (2) allow distributions from qualified tuition programs (known as 529 plans) to be used for student loan payments. Parents with certain PLUS loans made on behalf of dependent students are now eligible for income-based repayment plans. The bill prohibits: (1) evidence of an individual's default on a loan made, insured, or guaranteed under title IV from being used in a federal or state proceeding involving the individual's professional or vocational license; or (2) institutions of higher education from blocking students' access to their student records due to loan default. ED must cancel 50% of the balance of the interest and principal due on direct loans that are not in default for borrowers who are employed in a public service job for five years during repayment and make 60 monthly payments on such loans after October 1, 2017.

## Related bills

- 115-hr-7368: Federal Employee Retroactive Pay Fairness Act
- 115-hr-7281: Driver and Officer Safety Education Act
- 115-hr-7228: Reproductive Rights are Human Rights Act of 2018
- 115-hr-7212: Violence Against Women Health Act of 2018
- 115-hr-7195: Social Security Enhancement and Protection Act of 2017
- 115-hr-7186: Diverse Small Business Empowerment Act

## Sources
- [115-hr-3630 on Congress.gov](https://www.congress.gov/bill/115th-congress/house-bill/3630)

## Related
- [115-hr-7368: Federal Employee Retroactive Pay Fairness Act](https://policyrisk.com/legislation/115-hr-7368)
- [115-hr-7281: Driver and Officer Safety Education Act](https://policyrisk.com/legislation/115-hr-7281)
- [115-hr-7228: Reproductive Rights are Human Rights Act of 2018](https://policyrisk.com/legislation/115-hr-7228)
- [115-hr-7212: Violence Against Women Health Act of 2018](https://policyrisk.com/legislation/115-hr-7212)
- [115-hr-7195: Social Security Enhancement and Protection Act of 2017](https://policyrisk.com/legislation/115-hr-7195)
- [115-hr-7186: Diverse Small Business Empowerment Act](https://policyrisk.com/legislation/115-hr-7186)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/115-hr-3630 (as of 2025-11-18).