3.0.0 3892 2023-01-11T13:27:09Z 2023-01-11T13:27:09Z House H HR 2014-01-15 113 From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Ms. WILSON of Florida:H.R. 3892.Congress has the power to enact this legislation pursuantto the following:The Student Loan Borrowers' Bill of Rights Act of 2013 isconstitutional under Article 1, Section 8, Clause 3 (theCommerce Clause) of the United States Constitution, inconjuncture with Article 1, Section 8, Clause 18 (theNecessary and Proper Clause) of the Constitution.____________________[Page H473]]]> hsju00 Judiciary Committee House Standing hsju05 Administrative State, Regulatory Reform, and Antitrust Subcommittee Referred to 2014-03-20T14:06:20Z Referred to 2014-01-15T15:03:10Z hsgo00 Oversight and Accountability Committee House Standing Referred to 2014-01-15T15:03:15Z hswm00 Ways and Means Committee House Standing Referred to 2014-01-15T15:03:05Z hsed00 Education and the Workforce Committee House Standing Referred to 2014-01-15T15:03:00Z 2014-03-20 hsju05 Administrative State, Regulatory Reform, and Antitrust Subcommittee 1 House committee actions Referred to the Subcommittee on Regulatory Reform, Commercial And Antitrust Law. Committee 2014-01-15 Referred to the Committee on Education and the Workforce, and in addition to the Committees on Ways and Means, the Judiciary, and Oversight and Government Reform, 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. IntroReferral H11100 2 House floor actions hsgo00 Oversight and Accountability Committee 2014-01-15 Referred to the Committee on Education and the Workforce, and in addition to the Committees on Ways and Means, the Judiciary, and Oversight and Government Reform, 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. IntroReferral H11100 2 House floor actions hsju00 Judiciary Committee 2014-01-15 Referred to the Committee on Education and the Workforce, and in addition to the Committees on Ways and Means, the Judiciary, and Oversight and Government Reform, 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. IntroReferral H11100 2 House floor actions hswm00 Ways and Means Committee 2014-01-15 Referred to the Committee on Education and the Workforce, and in addition to the Committees on Ways and Means, the Judiciary, and Oversight and Government Reform, 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. IntroReferral H11100 2 House floor actions hsed00 Education and the Workforce Committee 2014-01-15 Introduced in House IntroReferral Intro-H 9 Library of Congress 2014-01-15 Introduced in House IntroReferral 1000 9 Library of Congress W000808 Rep. Wilson, Frederica S. [D-FL-24] Frederica Wilson D FL S. 24 N B000911 Rep. Brown, Corrine [D-FL-5] CORRINE BROWN D FL 5 2014-01-15 True R000515 Rep. Rush, Bobby L. [D-IL-1] BOBBY RUSH D IL L. 1 2014-01-15 True N000147 Del. Norton, Eleanor Holmes [D-DC-At Large] ELEANOR NORTON D DC HOLMES 0 2014-01-15 True C001080 Rep. Chu, Judy [D-CA-27] Judy Chu D CA 27 2014-02-03 False B001245 Del. Bordallo, Madeleine Z. [D-GU-At Large] Madeleine Bordallo D GU Z. 0 2014-02-03 False B001285 Rep. Brownley, Julia [D-CA-26] Julia Brownley D CA 26 2014-02-27 False T000266 Rep. Tierney, John F. [D-MA-6] JOHN TIERNEY D MA F. 6 2014-03-10 False O000170 Rep. O'Rourke, Beto [D-TX-16] Beto O'Rourke D TX 16 2014-03-18 False N000179 Rep. Napolitano, Grace F. [D-CA-32] GRACE NAPOLITANO D CA F. 32 2014-09-08 False Education Bankruptcy Civil actions and liability Evidence and witnesses Government employee pay, benefits, personnel management Government lending and loan guarantees Higher education Income tax exclusion Licensing and registrations Student aid and college costs Student records Tax administration and collection, taxpayers Wages and earnings Education 00 2014-01-15 Introduced in House 2014-03-07T22:43:26Z Student Loan Borrowers' Bill of Rights Act of 2013 - Removes educational loans from the list of debts that are non-dischargeable in bankruptcy.

Amends title IV (Student Assistance) of the Higher Education Act of 1965 (HEA) to reinstate the six-year statute of limitations on the recovery by:

  • institutions of higher education (IHEs) of refund amounts owed by students on grants made, or work assistance awarded, under title IV;
  • guaranty agencies of amounts owed on loans made under the Federal Family Education Loan (FFEL) program;
  • IHEs that have program participation agreements with the Secretary of Education of amounts owed under the William D. Ford Federal Direct Loan program or Federal Perkins Loans program; and
  • the federal government of amounts owed by students on grants made under title IV or amounts owed by borrowers on loans made under title IV that have been assigned to the Secretary.

Prohibits the collection of amounts individuals owe the Department of Education under title IV of the HEA through: (1) offsets of social security, railroad retirement, or black lung benefits; (2) offsets of tax refunds; or (3) wage garnishment.

Amends the Internal Revenue Code to exclude discharged student loan debt from an individual's gross income.

Excludes from gross income distributions from qualified tuition plans that are use to pay the interest or principal on student loans.

Amends the HEA to make borrowers of PLUS loans made on behalf of dependent students under:

  • the Direct Loan program eligible for income-contingent repayment plans, including plans based on the President's Pay As You Earn repayment initiative;
  • the Direct Loan or FFEL programs eligible for income-based repayment plans that enable borrowers who have a partial financial hardship to make lower monthly payments; and
  • the Direct Loan or FFEL programs eligible for loan forgiveness for service in areas of national need.

Specifies the regulation to be used in determining whether individuals have an adverse credit history that disqualifies them from borrowing a Direct Plus loan (provided to graduate or professional students or the parents of dependent students).

Prohibits evidence of an individual's default on a loan made, insured, or guaranteed under title IV of the HEA from being used in a federal or state proceeding involving the individual's professional or vocational license.

Prohibits an IHE from blocking students' access to their student records at the IHE due to such students being in default on such loans.

Directs the Secretary to cancel 50% of the balance of the interest and principal due on Direct loans that are not in default for borrowers who are employed in a public service job and make 60 monthly payments on such loans after October 1, 2013.

]]> Student Loan Borrowers' Bill of Rights Act of 2013 Display Title Student Loan Borrowers' Bill of Rights Act of 2013 Short Titles as Introduced Student Loan Borrowers' Bill of Rights Act of 2013 Official Title as Introduced To establish student loan borrowers' rights to basic consumer protections, reasonable and flexible repayment options, access to earned credentials, and effective loan cancellation in exchange for public service, and for other purposes. Introduced in House 2014-01-15T05:00:00Z https://www.govinfo.gov/content/pkg/BILLS-113hr3892ih/xml/BILLS-113hr3892ih.xml 2014-03-20 Referred to the Subcommittee on Regulatory Reform, Commercial And Antitrust Law. text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. Congressional Research Service, Library of Congress This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.