# 119-s-4567: Loan Forgiveness for Educators Act of 2026

119-s-4567, Loan Forgiveness for Educators Act of 2026, is a 119th Congress bill sponsored by Sen. Luján, Ben Ray [D-NM] (D-NM); status introduced; PRIA reads it as touching household money (as of 2026-07-08).

- Canonical: https://policyrisk.com/legislation/119-s-4567
- As of: 2026-07-08
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-4567
- Congress: 119
- Title: Loan Forgiveness for Educators Act of 2026
- Status: introduced
- Introduced: 2026-05-19
- Sponsor: Sen. Luján, Ben Ray [D-NM] (D-NM)
- Cosponsors: 14
- Policy area: Education
- Touches household money: yes
- Last recorded action: 2026-07-08

## Summary

**100% loan forgiveness after five years** for educators who serve in high‑need K–12 schools, Bureau of Indian Education sites, tribal or Native Hawaiian systems, or qualifying early childhood programs. The bill would also have the Education Department make monthly payments on covered loans during service and stop interest from accruing while educators work.

## Cosponsors (14)

- Sen. Padilla, Alex [D-CA] (D-CA), 2026-05-19T00:00:00.000Z
- Sen. Blumenthal, Richard [D-CT] (D-CT), 2026-05-19T00:00:00.000Z
- Sen. Kaine, Tim [D-VA] (D-VA), 2026-05-19T00:00:00.000Z
- Sen. Merkley, Jeff [D-OR] (D-OR), 2026-05-19T00:00:00.000Z
- Sen. Kelly, Mark [D-AZ] (D-AZ), 2026-05-19T00:00:00.000Z
- Sen. Van Hollen, Chris [D-MD] (D-MD), 2026-05-19T00:00:00.000Z
- Sen. Heinrich, Martin [D-NM] (D-NM), 2026-05-19T00:00:00.000Z
- Sen. Smith, Tina [D-MN] (D-MN), 2026-05-19T00:00:00.000Z
- Sen. Gallego, Ruben [D-AZ] (D-AZ), 2026-05-19T00:00:00.000Z
- Sen. Booker, Cory A. [D-NJ] (D-NJ), 2026-05-19T00:00:00.000Z
- Sen. Wyden, Ron [D-OR] (D-OR), 2026-05-19T00:00:00.000Z
- Sen. Reed, Jack [D-RI] (D-RI), 2026-05-19T00:00:00.000Z
- Sen. Baldwin, Tammy [D-WI] (D-WI), 2026-05-19T00:00:00.000Z
- Sen. Markey, Edward J. [D-MA] (D-MA), 2026-06-01T00:00:00.000Z

## Provisions PRIA read

- Major loan relief for educators: benefit, high. If enacted, the bill would cancel 100% of covered Federal Direct and eligible FFEL loan balances for qualifying educators after five years of qualifying service. The five years may be consecutive or nonconsecutive and the Secretary must set up the programs within 270 days after enactment. While you…
- Required outreach to educators: benefit, low. If enacted, the Secretary of Education would be required to inform schools, early childhood programs, tribal education systems, and borrowers about the new rules. The outreach would be done in coordination with HHS and must occur within 180 days after the programs start. Materials would explain how…
- Faster rulemaking, fewer formal talks: mixed, low. If enacted, the bill would let the Secretary of Education skip negotiated rulemaking when making regulations under this Act. That could speed up implementing the educator loan programs. It would also reduce formal negotiation steps for stakeholders who normally participate in negotiated rulemaking.

## Related bills

- 119-s-5066: Health Equity and Accountability Act of 2026
- 119-s-5108: Right to IVF Act of 2026
- 119-s-1503: Equality Act
- 119-s-2295: Child Care for Working Families Act
- 119-s-1814: Supreme Court Ethics, Recusal, and Transparency Act of 2025
- 119-s-852: Richard L. Trumka Protecting the Right to Organize Act of 2025

## Sources
- [119-s-4567 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/4567)

## Related
- [119-s-5066: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-s-5066)
- [119-s-5108: Right to IVF Act of 2026](https://policyrisk.com/legislation/119-s-5108)
- [119-s-1503: Equality Act](https://policyrisk.com/legislation/119-s-1503)
- [119-s-2295: Child Care for Working Families Act](https://policyrisk.com/legislation/119-s-2295)
- [119-s-1814: Supreme Court Ethics, Recusal, and Transparency Act of 2025](https://policyrisk.com/legislation/119-s-1814)
- [119-s-852: Richard L. Trumka Protecting the Right to Organize Act of 2025](https://policyrisk.com/legislation/119-s-852)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-4567 (as of 2026-07-08).