A Democratic bill with no cosponsors
Last activity — Referred to the Committee on Education and Workforce, and in addition to the Committee on Ways and Means, 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.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
This bill amends the Higher Education Act of 1965 to forgive undergraduate student loans for public school teachers who complete 8 years of consecutive service. It requires the Secretary of Education to forgive the remaining principal and interest on eligible Federal undergraduate loans upon the completion of this service. The bill ensures that the forgiven loan amount is not considered taxable income. Additionally, it allows public school teachers to receive a deferment on certain loans while they are teaching and for 6 months afterward, during which interest will not accrue. Finally, it authorizes the Secretary of the Treasury to disclose certain tax return information to the Secretary of Education to help discharge these loans.
Yes· 3 of 19
- Scored +8
Does this reduce what student borrowers owe or repay?
Directly forgives federal undergraduate loans and prevents interest accrual during service for public school teachers.
- Scored +6
Would people in their twenties and thirties be better off under this?
Young adults entering the teaching profession benefit heavily from undergraduate loan relief.
- Scored +6
Would middle-income households be better off under this?
Supports middle-class public school educators by forgiving undergraduate student loans.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Loan Forgiveness for Public School Teachers: Under Section 2 (adding section 494A(a)), the bill requires the forgiveness of eligible Federal undergraduate loans for borrowers employed full-time as public school teachers for at least 8 consecutive years. This is positive because it helps hardworking educators eliminate their undergraduate student debt.
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Tax-Free Forgiveness: Under Section 2 (adding section 494A(d)), the amount of the loan and interest forgiven is not considered taxable income under the Internal Revenue Code of 1986. This is beneficial because teachers will not face a surprise tax bill on the forgiven debt amount.
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Loan Deferment and No Interest Accrual: Under Section 3, public school teachers are eligible for a deferment on specific Federal Direct, FFEL, and Perkins loans while serving as a public school teacher and for 6 months after, during which principal payments are not required and interest does not accrue. This provision helps teachers pause their loan burdens and prevents their balances from growing while they serve in public schools.
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Authorization of Double Benefits: Under Section 2 (adding section 494A(e)), a borrower may receive benefits under this section and also under several other specific student loan or national service sections for the same service. This allows teachers to potentially stack qualifying benefits without being disqualified.
Potential Negative Impacts for People
- The provided text does not contain any specific sections or provisions that outline negative consequences or burdens for individuals or groups of people in the United States.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would middle-income households be better off under this? — Supports middle-class public school educators by forgiving undergraduate student loans. Would people in their twenties and thirties be better off under this? — Young adults entering the teaching profession benefit heavily from undergraduate loan relief. Would households on low incomes be better off under this? — Helps lower-income educators eliminate undergraduate student debt burdens. Would people in middle age be better off under this? — Mid-career public school teachers who meet the service requirement receive complete loan forgiveness. Would students be better off under this? — Helps retain experienced teachers in public schools, improving stability and quality for students. Would women be better off under this? — Positively impacts female-dominated public school teaching professions through targeted financial relief. Would union members be better off under this? — Provides substantial benefits to public school teachers, many of whom are union members. Would children be better off under this? — Better supported teachers can lead to improved educational outcomes for students. Would men be better off under this? — Benefits male public school teachers through loan forgiveness and interest deferment. Would people in rural areas be better off under this? — Supports public school systems and teachers in rural areas facing educator shortages. Would people in cities be better off under this? — Supports public school systems and teachers in urban areas.
- Education And Technology
- Does this reduce what student borrowers owe or repay? — Directly forgives federal undergraduate loans and prevents interest accrual during service for public school teachers. Does this make college cost less? — Provides comprehensive undergraduate student loan forgiveness for qualifying public school teachers.
- Economy And Finance
- Is this likely to create jobs? — Provides financial incentives that could improve recruitment and retention of public school teachers. Does this cut taxes for middle-income families? — The bill ensures that forgiven loan amounts are not considered taxable income, preventing a tax burden on teachers. Is this likely to grow the economy? — Relieving student debt for public school educators frees up disposable income for consumer spending.
- Social Issues And Justice
- Does this narrow the gap between how men and women are treated? — Benefiting teachers positively impacts a profession that is predominantly female. Is this likely to lift people out of poverty? — Reduces financial strain and debt burdens for public school educators.
- Governance And Ideology
- Does this give the federal government more power? — Expands federal oversight and execution of student loan forgiveness programs.
- 9/2/2025
- Referred to the Committee on Education and Workforce, and in addition to the Committee on Ways and Means, 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 in House