119-hr-3267119th CongressWALLET

PSLF Payment Completion Fairness Act

Sponsored By: Representative Houlahan, Chrissy [D-PA-6]

Introduced

Summary

Broaden who counts as employed for Public Service Loan Forgiveness. This bill would change the Higher Education Act's Public Service Loan Forgiveness employment test by replacing the statute's 'is employed' wording with 'has been', so past qualifying public service could count toward forgiveness.

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  • Borrowers who did qualifying public service: Past public-service employment could be counted toward PSLF eligibility, potentially letting more people meet the forgiveness requirement even if they are not currently employed in that role.
  • Legal and administrative effect: This is a narrow, text-focused amendment that keeps the same statutory citation and targets eligibility wording rather than creating new programs or funding.

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

Easier Public Service Loan Forgiveness

This bill would change who qualifies for Public Service Loan Forgiveness. It would replace an "is employed" test with a broader "has been employed" standard. If enacted, federal student loan borrowers who did qualifying public service could get forgiveness even if a past application was denied over timing or current‑employment issues. The bill text does not set an effective date.

Sponsors & CoSponsors

Sponsor

Houlahan, Chrissy [D-PA-6]

PA • D

Cosponsors

  • Rep. Fitzpatrick, Brian K. [R-PA-1]

    PA • R

    Sponsored 5/8/2025

  • Rep. Craig, Angie [D-MN-2]

    MN • D

    Sponsored 9/8/2025

  • Rep. Lawler, Michael [R-NY-17]

    NY • R

    Sponsored 9/26/2025

  • Del. Norton, Eleanor Holmes [D-DC-At Large]

    DC • D

    Sponsored 10/6/2025

  • Rep. Budzinski, Nikki [D-IL-13]

    IL • D

    Sponsored 10/6/2025

  • Rep. Menendez, Robert [D-NJ-8]

    NJ • D

    Sponsored 10/8/2025

  • Rep. Pingree, Chellie [D-ME-1]

    ME • D

    Sponsored 10/8/2025

  • Rep. Deluzio, Christopher R. [D-PA-17]

    PA • D

    Sponsored 10/8/2025

  • Rep. Frost, Maxwell [D-FL-10]

    FL • D

    Sponsored 10/17/2025

  • Rep. Bishop, Sanford D. [D-GA-2]

    GA • D

    Sponsored 10/17/2025

  • Rep. Davis, Danny K. [D-IL-7]

    IL • D

    Sponsored 10/17/2025

  • Rep. McBride, Sarah [D-DE-At Large]

    DE • D

    Sponsored 10/17/2025

  • Rep. Elfreth, Sarah [D-MD-3]

    MD • D

    Sponsored 10/21/2025

  • Rep. Garamendi, John [D-CA-8]

    CA • D

    Sponsored 10/21/2025

  • Rep. Doggett, Lloyd [D-TX-37]

    TX • D

    Sponsored 10/28/2025

  • Rep. McGarvey, Morgan [D-KY-3]

    KY • D

    Sponsored 10/28/2025

  • Rep. Ansari, Yassamin [D-AZ-3]

    AZ • D

    Sponsored 10/28/2025

  • Rep. Goldman, Daniel S. [D-NY-10]

    NY • D

    Sponsored 10/28/2025

  • Rep. Pallone, Frank [D-NJ-6]

    NJ • D

    Sponsored 10/28/2025

  • Rep. Ocasio-Cortez, Alexandria [D-NY-14]

    NY • D

    Sponsored 11/4/2025

  • Rep. Jayapal, Pramila [D-WA-7]

    WA • D

    Sponsored 11/4/2025

  • Rep. Thompson, Mike [D-CA-4]

    CA • D

    Sponsored 11/4/2025

  • Rep. Mullin, Kevin [D-CA-15]

    CA • D

    Sponsored 11/4/2025

  • Rep. Evans, Dwight [D-PA-3]

    PA • D

    Sponsored 11/4/2025

  • Rep. Bell, Wesley [D-MO-1]

    MO • D

    Sponsored 11/17/2025

  • Rep. Williams, Nikema [D-GA-5]

    GA • D

    Sponsored 11/17/2025

  • Rep. Chu, Judy [D-CA-28]

    CA • D

    Sponsored 11/17/2025

  • Rep. Casten, Sean [D-IL-6]

    IL • D

    Sponsored 12/4/2025

  • Rep. Davis, Donald G. [D-NC-1]

    NC • D

    Sponsored 12/10/2025

  • Rep. Salinas, Andrea [D-OR-6]

    OR • D

    Sponsored 2/4/2026

Roll Call Votes

No roll call votes available for this bill.

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