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HR8351119th CongressWALLET

Clean Slate through Repayment Act of 2026

Sponsored By: Representative Ross, Deborah K. [D-NC-2]

Introduced

Summary

Automatically removes a defaulted federal student loan record from a borrower's credit report once the borrower fully repays the loan. It would require the Secretary of Education, guaranty agencies, or other loan holders to request that consumer reporting agencies delete the default entry and any related adverse information for loans made, insured, or guaranteed under Title IV of the Higher Education Act.

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Bill Overview

Analyzed Economic Effects

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

Remove defaulted federal loans from credit

If enacted, this bill would require the Secretary of Education, a guaranty agency, or the loan holder to ask consumer reporting agencies to remove a defaulted Title IV loan from your credit record once you repay the full amount due. The request must also remove any related adverse information tied to that default. This applies only to loans made, insured, or guaranteed under Title IV of the Higher Education Act. Households would likely see improved credit histories after full repayment.

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

  • Rep. Adams, Alma S. [D-NC-12]

    NC • D

    Sponsored 4/16/2026

Roll Call Votes

No roll call votes available for this bill.

View on Congress.gov
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