Clean Slate through Repayment Act of 2026
Sponsored By: Representative Ross, Deborah K. [D-NC-2]
Introduced
Summary
Automatic removal of Title IV loan default records after full repayment. This bill would add Section 494A to the Higher Education Act and require the Secretary of Education, guaranty agencies, or other holders of Title IV loans to request that consumer reporting agencies remove a borrower’s default record and any related adverse information once the borrower repays the full amount due on a defaulted Title IV loan. The rule applies only to Title IV loans repaid in full and does not establish penalties, funding, or direct obligations for consumer reporting agencies beyond the removal request.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Clear defaulted federal student loans after repayment
If enacted, the bill would require the Education Secretary, a guaranty agency, or other loan holder to ask credit bureaus to remove a reported default on a Title IV student loan. This would apply only after you repay the full amount due on that defaulted loan. The request would also remove related negative items from your credit history, which would improve your credit and make borrowing easier.
Sponsors & CoSponsors
Sponsor
Ross, Deborah K. [D-NC-2]
NC • D
Cosponsors
Rep. Stevens, Haley M. [D-MI-11]
MI • D
Sponsored 4/16/2026
Rep. Williams, Nikema [D-GA-5]
GA • D
Sponsored 4/16/2026
Adams
NC • D
Sponsored 4/16/2026
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov