I 

116TH CONGRESS 

2D SESSION H. R. 8393 

To provide student loan forgiveness to health care workers who are on 

the frontline in response to COVID–19. 

IN THE HOUSE OF REPRESENTATIVES 

SEPTEMBER 24, 2020 

Mr. VAN DREW introduced the following bill; which was referred to the Committee on Education and Labor, and in addition to the Committees on 

Financial Services, and 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 

A BILL 

To provide student loan forgiveness to health care workers 

who are on the frontline in response to COVID–19. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 

3 SECTION 1. SHORT TITLE. 

4 This Act may be cited as the ‘‘Frontline Health Care 

5 Worker Student Loan Assistance Act of 2020’’. 

6 SEC. 2. LOAN FORGIVENESS FOR FRONTLINE HEALTH 

7 CARE WORKERS. 

8 (a) PROGRAM AUTHORIZED.— 


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1 (1) LOAN FORGIVENESS AUTHORIZED.—Begin2 ning on the date that is 90 days after the date of 

3 enactment of this Act, the Secretaries concerned 

4 shall, subject to paragraph (3), forgive, in accord5 ance with this section, the qualified loan amount de6 scribed in subsection (b) of the student loan obliga7 tion of a borrower who is a frontline health care 

8 worker (or whose child is a frontline health care 

9 worker, in the case of a borrower of a loan described 

10 in section 9(4)(B)). 

11 (2) METHODS OF LOAN FORGIVENESS.— 

12 (A) IN GENERAL.—To provide loan for13 giveness under paragraph (1) to each borrower 

14 who is a frontline health care worker, the Secre15 taries concerned shall carry out a program— 

16 (i) through the holder of the loan, to 

17 assume the obligation to repay, by direct 

18 payments on behalf of a borrower to the 

19 holder of such loan, a qualified loan 

20 amount for an eligible Federal student 

21 loan made, insured, or guaranteed under 

22 part B of title IV of the Higher Education 

23 Act of 1965 (20 U.S.C. 1071 et seq.); 

24 (ii) to cancel a qualified loan amount 

25 for an eligible Federal student loan made 


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1 under part D or part E of such title (20 

2 U.S.C. 1087a et seq.; 1087aa et seq.); and 

3 (iii) to assume the obligation to repay, 

4 by direct payments on behalf of a borrower 

5 to the private educational lender of such 

6 loan, a qualified loan amount of an eligible 

7 private student loan in order to discharge 

8 the borrower of such loan from any re9 maining obligation to the private edu10 cational lender with respect to such quali11 fied loan amount. 

12 (B) FORGIVENESS THROUGH REIMBURSE13 MENT.—Notwithstanding subparagraph (A), for 

14 each borrower who is a frontline health care 

15 worker and who has made one or more monthly 

16 payments toward the— 

17 (i) outstanding eligible Federal stu18 dent loan balance of the borrower during 

19 the covered period, the Secretary of Edu20 cation shall reimburse the borrower, 

21 through direct payment to the borrower, in 

22 an amount equal to the total amount of 

23 such monthly payments made by the bor24 rower on or after January 31, 2020, and 

25 before the first date on which any portion 


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1 of a borrower’s loans are forgiven in ac2 cordance with subparagraph (A); and 

3 (ii) outstanding eligible private stu4 dent loan balance of the borrower during 

5 the covered period, the Secretary of the 

6 Treasury shall reimburse the borrower, 

7 through direct payment to the borrower, in 

8 an amount equal to the total amount of 

9 such monthly payments made by the bor10 rower on or after January 31, 2020, and 

11 before the first date on which any portion 

12 of a borrower’s loans are forgiven in ac13 cordance with subparagraph (A). 

14 (3) AUTHORITY OF THE SECRETARIES CON15 CERNED.—The Secretary of Education shall have 

16 the authority to carry out the loan forgiveness pro17 gram authorized under this section only with respect 

18 to eligible Federal student loans, and the Secretary 

19 of the Treasury shall have the authority to carry out 

20 such loan forgiveness program only with respect to 

21 eligible private student loans. 

22 (b) QUALIFIED LOAN AMOUNT.— 

23 (1) TOTAL AMOUNT.—The Secretaries con24 cerned shall forgive for each borrower who is a 

25 frontline health care worker an amount equal to the 


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1 sum of the monthly loan payments that are due, sus2 pended, or paid on each eligible Federal student loan 

3 and each eligible private student loan of the bor4 rower during the covered period. Each monthly loan 

5 payment that is included in the qualified loan 

6 amount of such a borrower shall be paid, pursuant 

7 to paragraph (2), in accordance with either subpara8 graph (A) or subparagraph (B) of subsection (a)(2), 

9 but not both. 

10 (2) METHODS OF FORGIVENESS OF QUALIFIED

11 LOAN AMOUNT.—The Secretaries concerned shall de12 termine the method of forgiveness for each monthly 

13 loan payment included in a qualified loan amount as 

14 follows: 

15 (A) The Secretaries concerned shall pro16 vide forgiveness in accordance with subpara17 graph (A) of subsection (a)(2) for— 

18 (i) each monthly loan payment during 

19 the covered period that is due on or after 

20 the date that is 90 days after the date of 

21 enactment of this Act; 

22 (ii) each monthly loan payment during 

23 the covered period that is due before the 

24 date that is 90 days after the date of enVerDate Sep 11 2014 20:48 Oct 21, 2020 Jkt 019200 PO 00000 Frm 00005 Fmt 6652 Sfmt 6201 E:\BILLS\H8393.IH H8393

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1 actment of this Act and has not been paid 

2 before such date; and 

3 (iii) the total amount of the monthly 

4 loan payments that are suspended as a re5 sult of a qualifying emergency pursuant to 

6 section 3513 of the CARES Act (20 

7 U.S.C. 1001 note) or at the direction of 

8 the Secretary of Education, determined by 

9 calculating the sum of the amounts of each 

10 monthly loan payment that would have 

11 been due during the covered period if 

12 monthly loan payments were not sus13 pended. 

14 (B) The Secretaries concerned shall pro15 vide forgiveness in accordance with subpara16 graph (B) of subsection (a)(2) for the total 

17 amount of monthly loan payments during the 

18 period beginning on January 31, 2020, and 

19 ending on the date that is 90 days after the 

20 date of enactment of this Act, that have been 

21 paid by the borrower on or before the termi22 nation of such period. 

23 (c) CONSIDERATION OF PAYMENTS.—Notwith24 standing any other provision of the Higher Education Act 

25 of 1965 (20 U.S.C. 1001 et seq.), the Secretary of EduVerDate Sep 11 2014 20:48 Oct 21, 2020 Jkt 019200 PO 00000 Frm 00006 Fmt 6652 Sfmt 6201 E:\BILLS\H8393.IH H8393

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1 cation shall deem each month for which a loan payment 

2 was forgiven under this section as if the borrower of the 

3 loan had made a payment for the purpose of any loan for4 giveness program or loan rehabilitation program author5 ized under part B or D of title IV of the Higher Education 

6 Act of 1965 (20 U.S.C. 1071 et seq.; 1087a et seq.) for 

7 which the borrower would have otherwise qualified. 

8 (d) EXCLUSION FROM TAXABLE INCOME.—The 

9 qualified loan amount of a borrower that is forgiven under 

10 this section, including through reimbursement pursuant to 

11 subsection (a)(2)(B), shall not be included in the gross 

12 income of the borrower for purposes of the Internal Rev13 enue Code of 1986. 

14 SEC. 3. COORDINATED PROGRAM REQUIREMENTS. 

15 The Secretaries concerned shall jointly develop the 

16 program required under section 2, and shall coordinate 

17 and consult with one another in carrying out such pro18 gram to ensure that— 

19 (1) borrowers with outstanding eligible Federal 

20 student loans and borrowers with outstanding eligi21 ble private student loans are notified of the avail22 ability of student loan forgiveness under this Act; 

23 (2) frontline health care workers who are bor24 rowers of both eligible Federal student loans and eli25 gible private student loans may apply for loan forVerDate Sep 11 2014 20:48 Oct 21, 2020 Jkt 019200 PO 00000 Frm 00007 Fmt 6652 Sfmt 6201 E:\BILLS\H8393.IH H8393

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1 giveness of both Federal and private student loans 

2 under section 2 with submission of only one applica3 tion; 

4 (3) determinations of eligibility are uniform and 

5 consistent, regardless of whether the frontline health 

6 care worker is a borrower of eligible Federal student 

7 loans, eligible private student loans, or both; and 

8 (4) such program is made available to any 

9 frontline health care worker (including a worker who 

10 does not meet the definition of frontline health care 

11 worker solely because such worker did not complete 

12 at least 3 months of full-time service (or the equiva13 lent) prior to death) who was a borrower of eligible 

14 Federal student loans, eligible private student loans, 

15 or both, and who died as a result of the coronavirus, 

16 to relieve the family and estate of such deceased 

17 worker of the burden of the student loan obligation 

18 of the such deceased worker. 

19 SEC. 4. NOTICE OF AVAILABILITY OF LOAN FORGIVENESS. 

20 (a) NOTICE TO THE PUBLIC.—Not later than 15 days 

21 after the date of enactment of this Act, the Secretaries 

22 concerned, in consultation with institutions of higher edu23 cation and lenders and holders of Federal student loans 

24 and private education loans, shall take such actions as 

25 may be necessary to ensure that borrowers who have outVerDate Sep 11 2014 20:48 Oct 21, 2020 Jkt 019200 PO 00000 Frm 00008 Fmt 6652 Sfmt 6201 E:\BILLS\H8393.IH H8393

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1 standing eligible Federal student loans, outstanding eligi2 ble private student loans, or both, are aware of the student 

3 loan forgiveness program authorized by this Act. Such in4 formation shall— 

5 (1) be presented in a form that is widely avail6 able to the public, especially to borrowers with eligi7 ble Federal student loans, eligible private student 

8 loans, or both, and to frontline health care workers; 

9 (2) be easily understandable; and 

10 (3) clearly notify borrowers that to be consid11 ered for loan forgiveness under this Act, borrowers 

12 must submit an application to the Secretaries con13 cerned, and must do so during the application period 

14 described in section 5. 

15 (b) NOTICE IN FEDERAL LOANS STATEMENTS.— 

16 With each billing statement sent to a borrower during the 

17 two-year period beginning on the 15th day after the date 

18 of enactment of this Act, the Secretary of Education shall 

19 include, and shall require each holder of eligible Federal 

20 student loans to include, a notice informing the borrower 

21 of the availability of the student loan forgiveness program 

22 for frontline health care workers under this Act, including 

23 where to find information about how to qualify as a front24 line health care worker, how to apply to such program, 

25 the types of Federal and private loans that are eligible 


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1 for forgiveness, and the application deadline for such pro2 gram. 

3 (c) NOTICE IN PRIVATE LOANS STATEMENTS.—Sec4 tion 128(e) of the Truth in Lending Act (15 U.S.C. 

5 1638(e)) is amended by adding at the end the following 

6 new paragraph: 

7 ‘‘(12) NOTICE REQUIRED ALONG WITH BILLING

8 STATEMENTS.—With each billing statement sent to 

9 the borrower during the two-year period beginning 

10 on the 15th day after the date of enactment of the 

11 Frontline Health Care Worker Student Loan Assist12 ance Act of 2020, the private educational lender 

13 shall include a notice informing the borrower of the 

14 availability of the student loan forgiveness program 

15 for frontline health care workers under the Frontline 

16 Health Care Worker Student Loan Assistance Act of 

17 2020, including where to find information about how 

18 to qualify as a frontline health care worker, how to 

19 apply to such program, the types of Federal and pri20 vate loans that are eligible for forgiveness, and the 

21 application deadline for such program.’’. 

22 SEC. 5. APPLICATION AND DETERMINATION OF ELIGI23 BILITY. 

24 (a) APPLICATION PERIOD.—An individual may apply 

25 for loan forgiveness under section 2 by submitting an apVerDate Sep 11 2014 20:48 Oct 21, 2020 Jkt 019200 PO 00000 Frm 00010 Fmt 6652 Sfmt 6201 E:\BILLS\H8393.IH H8393

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1 plication to the Secretaries concerned during the period 

2 that begins on the date that is 60 days after the date of 

3 enactment of this Act and that ends on the date that is 

4 2 years after the end of the covered period. 

5 (b) DETERMINATION OF ELIGIBILITY.— 

6 (1) DEVELOPMENT OF APPLICATION.—Not 

7 later than 45 days after the date of enactment of 

8 this Act, the Secretaries concerned shall jointly, in 

9 consultation with the Secretary of Health and 

10 Human Services and the Intergovernmental Working 

11 Group (in accordance with section 6), develop one 

12 application for borrowers of both eligible Federal 

13 student loans and eligible private student loans to 

14 apply for loan forgiveness under this Act. 

15 (2) APPLICATION REQUIREMENTS.—The appli16 cation required under paragraph (1) may only in17 clude such information as is necessary for the Secre18 taries concerned to— 

19 (A) make a determination of whether the 

20 applicant— 

21 (i) is a frontline health care worker; 

22 and 

23 (ii) is a borrower of an eligible Fed24 eral student loan, an eligible private stu25 dent loan, or both; and 


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1 (B) determine the qualified loan amount of 

2 the applicant, if the application is approved, in3 cluding the amount described in section 

4 2(b)(2)(B). 

5 (3) DETERMINATION.—Not later than 30 days 

6 after the date on which the Secretaries concerned re7 ceive an application from an individual in accordance 

8 with this Act, the Secretaries concerned shall— 

9 (A) confirm that such individual is a front10 line health care worker who is a borrower of an 

11 eligible Federal student loan, an eligible private 

12 student loan, or both, then notify the individual 

13 of such confirmation, and grant the individual 

14 loan forgiveness in accordance with section 2; 

15 or 

16 (B) determine that such individual is not a 

17 frontline health care worker who is a borrower 

18 of an eligible Federal student loan, an eligible 

19 private student loan, or both, then deny such 

20 application, and provide a notification to the in21 dividual that includes— 

22 (i) that the application was denied; 

23 (ii) the reason for such denial; and 

24 (iii) if the application was denied be25 cause the Secretaries concerned determined 


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1 that the applicant was not a frontline 

2 health care worker, an explanation that the 

3 individual may appeal the denial to the 

4 Intergovernmental Working Group within 

5 30 days of the date of such denial, and in6 formation on how the applicant may sub7 mit such an appeal. 

8 (4) TREATMENT AFTER SUCCESSFUL AP9 PEAL.—In the case that an individual appeals the 

10 denial of an application to the Intergovernmental 

11 Working Group in accordance with section 6, and 

12 the individual is determined by the Intergovern13 mental Working Group to be a frontline health care 

14 worker, the Secretaries concerned shall grant the in15 dividual loan forgiveness in accordance with section 

16 2 not later than 30 days after the Secretaries con17 cerned are notified of the outcome of the appeal by 

18 the Intergovernmental Working Group. 

19 SEC. 6. INTERGOVERNMENTAL WORKING GROUP. 

20 (a) ESTABLISHMENT.—Not later than 30 days after 

21 the date of the enactment of this Act, the Secretaries con22 cerned and the Secretary of Health and Human Services 

23 shall jointly establish an Intergovernmental Working 

24 Group to assist, in accordance with this section, with the 

25 administration of the program required under this Act. 


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1 (b) MEMBERSHIP.—The Intergovernmental Working 

2 Group shall have 9 members, of whom— 

3 (1) five members shall be selected by the Sec4 retary of Health and Human Services from employ5 ees of the Department of Health and Human Serv6 ices who are knowledgeable concerning the edu7 cation, training, employment, and medical practices 

8 of health care professionals and the health care 

9 workforce; 

10 (2) two members shall be selected by the Sec11 retary of Education from employees of the Depart12 ment of Education who are knowledgeable con13 cerning eligible Federal student loans and the ad14 ministration of such loans; and 

15 (3) two members shall be selected by the Sec16 retary of the Treasury from employees of the De17 partment of the Treasury who are knowledgeable 

18 concerning eligible private student loans, the admin19 istration of such loans, and private educational lend20 ers. 

21 (c) DUTIES.—The Intergovernmental Working Group 

22 established under this section shall— 

23 (1) develop a procedure or list of requirements, 

24 including a list of the information an individual 

25 needs to provide for the Secretaries concerned, to 


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1 determine whether an individual has made signifi2 cant contributions to the medical response to the 

3 qualifying emergency for purposes of determining 

4 whether the individual is a frontline health care 

5 worker as defined in section 9(6)(B); 

6 (2) not later than 10 days after the date on 

7 which the Council is established, report the informa8 tion described in paragraph (1) to the Secretaries 

9 concerned for inclusion in the application developed 

10 in accordance with section 5(b)(1); 

11 (3) not later than 60 days after the date on 

12 which the Council is established, develop a process 

13 by which— 

14 (A) an applicant who is denied loan for15 giveness under this Act by the Secretaries con16 cerned because of a determination that the ap17 plicant is not a frontline health care worker 

18 may, within 30 days of the date of such denial, 

19 submit an appeal of such denial to the Intergov20 ernmental Working Group; and 

21 (B) the Intergovernmental Working Group 

22 will review the appeal and make a determina23 tion with respect to whether the applicant is a 

24 frontline health care worker; and 


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1 (4) upon the request for an appeal by an appli2 cant described in paragraph (3), using the appeals 

3 process developed under such paragraph, determine 

4 within 30 days after submission of the appeal by the 

5 applicant, whether the applicant is a frontline health 

6 care worker, and notify the Secretaries concerned 

7 and the applicant of the outcome of such appeal 

8 within 15 days of such determination. 

9 SEC. 7. REGULATIONS; WAIVERS. 

10 (a) REGULATIONS.—The Secretaries concerned are 

11 authorized to issue such regulations as may be necessary 

12 to carry out this Act. 

13 (b) WAIVERS.—In carrying out this Act, the Secre14 taries concerned may waive the application of— 

15 (1) subchapter I of chapter 35 of title 44, 

16 United States Code (commonly known as the ‘‘Pa17 perwork Reduction Act’’); 

18 (2) the master calendar requirements under 

19 section 482 of the Higher Education Act of 1965 

20 (20 U.S.C. 1089); 

21 (3) negotiated rulemaking under section 492 of 

22 the Higher Education Act of 1965 (20 U.S.C. 

23 1098a); and 

24 (4) the requirement to publish the notices re25 lated to the system of records of the agency before 


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1 implementation required under paragraphs (4) and 

2 (11) of section 552a(e) of title 5, United States 

3 Code (commonly known as the ‘‘Privacy Act of 

4 1974’’), except that the notices shall be published 

5 not later than 180 days after the date of enactment 

6 of this Act. 

7 SEC. 8. TERMINATION OF AUTHORITY. 

8 The authority of the Secretaries concerned to carry 

9 out the loan forgiveness program under section 2, and the 

10 authority of the Intergovernmental Working Group to 

11 carry out the activities authorized under section 6, shall 

12 cease on the date that is 180 days after the end date of 

13 the application period described in section 5(a). 

14 SEC. 9. DEFINITIONS. 

15 In this Act: 

16 (1) CORONAVIRUS.—The term ‘‘coronavirus’’ 

17 has the meaning given the term in section 506 of the 

18 Coronavirus Preparedness and Response Supple19 mental Appropriations Act, 2020 (Public Law 116– 

20 123). 

21 (2) COVERED PERIOD.—The term ‘‘covered pe22 riod’’ means the period that begins on January 31, 

23 2020, and ends on the date that is 60 days after the 

24 date of the expiration of the public health emergency 

25 with respect to COVID–19 declared by the Secretary 


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1 of Health and Human Services under section 319 of 

2 the Public Health Service Act (42 U.S.C. 247d) on 

3 January 31, 2020. 

4 (3) COVID-RELATED HEALTH CARE SERV5 ICES.—The term ‘‘COVID-related health care serv6 ices’’ means any health care services that relate to— 

7 (A) the diagnosis, prevention, or treatment 

8 of the coronavirus, including through telehealth 

9 services; 

10 (B) the assessment or care of the health of 

11 a human being related to an actual or sus12 pected case of the coronavirus, including 

13 through telehealth services; or 

14 (C) patient care in a setting where there is 

15 a reasonable expectation of risk of exposure to 

16 the coronavirus. 

17 (4) ELIGIBLE FEDERAL STUDENT LOAN.—The 

18 term ‘‘eligible Federal student loan’’ means any loan 

19 made, insured, or guaranteed under part B, part D, 

20 or part E of title IV of the Higher Education Act 

21 of 1965 before the date of enactment of this Act, in22 cluding— 

23 (A) a consolidation loan under such title; 

24 and 


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1 (B) a loan made to the parent of a depend2 ent student under section 428B of such Act (20 

3 U.S.C. 1078–2), and a Federal Direct PLUS 

4 Loan made to the parents of a dependent stu5 dent, only if the dependent student on whose 

6 behalf such loan was made is a frontline health 

7 care worker. 

8 (5) ELIGIBLE PRIVATE STUDENT LOAN.—The 

9 term ‘‘eligible private student loan’’ means a private 

10 education loan, as defined in section 140(a) of the 

11 Truth in Lending Act (15 U.S.C. 1650(a)), that was 

12 expressly for the cost of attendance (as defined in 

13 section 472) at an institution of higher education 

14 participating in a loan program under part B, part 

15 D, or part E of title IV of the Higher Education Act 

16 of 1965 (20 U.S.C. 1070 et seq.), as of the date 

17 that the loan was disbursed, and that was made be18 fore the date of enactment of this Act. 

19 (6) FRONTLINE HEALTH CARE WORKER.—The 

20 term ‘‘frontline health care worker’’ means an indi21 vidual who, during the qualifying emergency, for a 

22 period of not less than 3 months of full-time service 

23 (or the part-time equivalent), in exchange for pay24 ment or as a volunteer— 

25 (A) is— 


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1 (i) a doctor, medical resident, medical 

2 intern, medical fellow, nurse, home health 

3 care worker, mental health professional, or 

4 other health care professional who is li5 censed, registered, or certified under Fed6 eral or State law to provide health care 

7 services and who provides COVID-related 

8 health care services; 

9 (ii) a student enrolled at an institu10 tion of higher education in a medical, nurs11 ing, or other relevant health care program 

12 of study who provides COVID-related 

13 health care services; 

14 (iii) a laboratory worker who con15 ducts, evaluates, or analyzes coronavirus 

16 testing; 

17 (iv) a medical researcher who con18 ducts research related to the prevention, 

19 treatment, or cure of the coronavirus; or 

20 (v) an emergency medical services 

21 worker who responds to health emergencies 

22 or transports patients to hospitals or other 

23 medical facilities; or 

24 (B) does not meet the requirements of any 

25 of the clauses under subparagraph (A), but is 


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1 a health care professional who is licensed, reg2 istered, or certified under Federal or State law 

3 to provide health care and has made significant 

4 contributions to the medical response to the 

5 qualifying emergency. 

6 (7) INSTITUTION OF HIGHER EDUCATION.—The 

7 term ‘‘institution of higher education’’ has the 

8 meaning given such term in section 102 of the High9 er Education Act of 1965 (20 U.S.C. 1002). 

10 (8) PRIVATE EDUCATIONAL LENDER.—The 

11 term ‘‘private educational lender’’ has the meaning 

12 given the term in section 140(a) of the Truth in 

13 Lending Act (15 U.S.C. 1650(a)). 

14 (9) QUALIFYING EMERGENCY.—The term 

15 ‘‘qualifying emergency’’ means— 

16 (A) the public health emergency with re17 spect to COVID–19 declared by the Secretary 

18 of Health and Human Services under section 

19 319 of the Public Health Service Act (42 

20 U.S.C. 247d) on January 31, 2020; 

21 (B) an event related to the coronavirus for 

22 which— 

23 (i) the President declared a major dis24 aster or an emergency under section 401 

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1 ford Disaster Relief and Emergency Assist2 ance Act (42 U.S.C. 5170 and 5191); or 

3 (ii) the governor of a State or terri4 tory of the United States declared an 

5 emergency; or 

6 (C) a national emergency related to the 

7 coronavirus declared by the President under 

8 section 201 of the National Emergencies Act 

9 (50 U.S.C. 1601 et seq.). 

10 (10) SECRETARIES CONCERNED.—The term 

11 ‘‘Secretaries concerned’’ means— 

12 (A) the Secretary of Education, with re13 spect to eligible Federal student loans and bor14 rowers of such loans; and 

15 (B) the Secretary of the Treasury, with re16 spect to eligible private student loans and bor17 rowers of such loans. 

Æ 


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