II 

116TH CONGRESS 

1ST SESSION S. 1947 

To amend the Higher Education Act of 1965 to ensure college for all. 

IN THE SENATE OF THE UNITED STATES 

JUNE 24, 2019 

Mr. SCHUMER (for Mr. SANDERS) introduced the following bill; which was 

read twice and referred to the Committee on Finance 

A BILL 

To amend the Higher Education Act of 1965 to ensure 

college for all. 

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 ‘‘College for All Act 

5 of 2019’’. 


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1 TITLE I—FEDERAL-STATE PART2 NERSHIP TO ELIMINATE TUI3 TION AND REQUIRED FEES 

4 SEC. 101. FEDERAL-STATE PARTNERSHIP TO ELIMINATE 

5 TUITION AND REQUIRED FEES. 

6 The Higher Education Act of 1965 (20 U.S.C. 1001 

7 et seq.) is amended by adding at the end the following: 

8 ‘‘TITLE IX—FEDERAL-STATE 

9 PARTNERSHIP TO ELIMINATE 

10 TUITION AND REQUIRED 

11 FEES 

12 ‘‘SEC. 901. GRANT PROGRAM TO ELIMINATE TUITION AND 

13 REQUIRED FEES AT PUBLIC INSTITUTIONS 

14 OF HIGHER EDUCATION AND TRIBAL COL15 LEGES AND UNIVERSITIES. 

16 ‘‘(a) DEFINITIONS.—In this section: 

17 ‘‘(1) AWARD YEAR.—The term ‘award year’ has 

18 the meaning given the term in section 481(a). 

19 ‘‘(2) COMMUNITY COLLEGE.—The term ‘com20 munity college’ means— 

21 ‘‘(A) a public institution of higher edu22 cation at which the credential that is predomi23 nantly awarded to students is at the sub-bacca24 laureate level; or 


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1 ‘‘(B) a public postsecondary vocational in2 stitution, as defined under section 102(c). 

3 ‘‘(3) COST OF ATTENDANCE.—The term ‘cost of 

4 attendance’ has the meaning given the term in sec5 tion 472. 

6 ‘‘(4) DUAL OR CONCURRENT ENROLLMENT

7 PROGRAM.—The term ‘dual or concurrent enrollment 

8 program’ has the meaning given the term in section 

9 8101 of the Elementary and Secondary Education 

10 Act of 1965. 

11 ‘‘(5) EARLY COLLEGE HIGH SCHOOL.—The 

12 term ‘early college high school’ has the meaning 

13 given the term in section 8101 of the Elementary 

14 and Secondary Education Act of 1965. 

15 ‘‘(6) ELIGIBLE INDIAN ENTITY.—The term ‘eli16 gible Indian entity’ means the entity responsible for 

17 the governance, operation, or control of a Tribal Col18 lege or University. 

19 ‘‘(7) ELIGIBLE STUDENT.—The term ‘eligible 

20 student’ means an individual, regardless of age, who 

21 has not obtained a baccalaureate degree or higher 

22 degree and is enrolled, or plans to enroll, in a com23 munity college or public 4-year institution of higher 

24 education in the State in which the individual is a 

25 resident or in a Tribal College or University. 


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1 ‘‘(8) FULL-TIME EQUIVALENT ELIGIBLE STU2 DENTS.—The term ‘full-time equivalent eligible stu3 dents’, when used with respect to an institution of 

4 higher education, has the meaning given the term 

5 ‘full-time equivalent students’, except that the cal6 culation shall be made based on the number of eligi7 ble students enrolled at such institution. 

8 ‘‘(9) FULL-TIME EQUIVALENT STUDENTS.—The 

9 term ‘full-time equivalent students’ means the sum 

10 of the number of students enrolled full time at an 

11 institution, plus the full-time equivalent of the num12 ber of students enrolled part time (determined on 

13 the basis of the quotient of the sum of the credit 

14 hours of all part-time students divided by 12) at 

15 such institution. 

16 ‘‘(10) INSTITUTION OF HIGHER EDUCATION.— 

17 The term ‘institution of higher education’ has the 

18 meaning given the term in section 101. 

19 ‘‘(11) PUBLIC 4-YEAR INSTITUTION OF HIGHER

20 EDUCATION.—The term ‘public 4-year institution of 

21 higher education’ means an institution of higher 

22 education that is not a community college and is op23 erated by a State, subdivision of a State, or govern24 ment agency within a State and operated wholly or 


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1 predominately from or through the use of govern2 mental funds or property. 

3 ‘‘(12) TRIBAL COLLEGE OR UNIVERSITY.—The 

4 term ‘Tribal College or University’ has the meaning 

5 given the term in section 316(b)(3) and includes 2- 

6 year and 4-year institutions. 

7 ‘‘(b) PROGRAM AUTHORIZED.— 

8 ‘‘(1) GRANTS AUTHORIZED.—From amounts 

9 appropriated under subsection (g), the Secretary 

10 shall award grants, from allotments under sub11 section (c), to States and eligible Indian entities hav12 ing applications approved under subsection (e), to 

13 enable the States and eligible Indian entities to 

14 eliminate tuition and required fees for all eligible 

15 students at community colleges, public 4-year insti16 tutions of higher education in the State, or Tribal 

17 Colleges and Universities of the eligible Indian enti18 ty. 

19 ‘‘(2) NON-FEDERAL SHARE REQUIREMENT.— 

20 ‘‘(A) IN GENERAL.—Except as provided in 

21 subparagraph (B), each State or eligible Indian 

22 entity that receives a grant under this section 

23 shall provide a non-Federal share of funds for 

24 an award year from non-Federal sources in an 

25 amount that is equal to 33 percent of the 


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1 amount required to eliminate tuition and re2 quired fees— 

3 ‘‘(i) in the case of a State, at commu4 nity colleges and public 4-year institutions 

5 of higher education in the State for all eli6 gible students for the award year; and 

7 ‘‘(ii) in the case of an eligible Indian 

8 entity, at Tribal Colleges and Universities 

9 of the eligible Indian entity for all eligible 

10 students for the award year. 

11 ‘‘(B) NON-FEDERAL SHARE REQUIREMENT

12 FOR CERTAIN ELIGIBLE INDIAN ENTITIES.— 

13 ‘‘(i) IN GENERAL.—In the case of an 

14 eligible Indian entity that receives a grant 

15 under this section for an award year for 

16 which not less than 75 percent of the stu17 dents enrolled in the Tribal Colleges and 

18 Universities of the eligible Indian entity 

19 are low-income students, such eligible In20 dian entity shall provide a non-Federal 

21 share of funds from non-Federal sources in 

22 an amount that is equal to not more than 

23 5 percent of the amount necessary to elimi24 nate tuition and required fees at Tribal 


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1 Colleges and Universities of the eligible In2 dian entity for the award year. 

3 ‘‘(ii) LOW-INCOME STUDENT.—In this 

4 subparagraph, the term ‘low-income stu5 dent’ has the meaning given such term by 

6 the Secretary, except that such term shall 

7 not exclude any student eligible for a Fed8 eral Pell Grant under section 401. 

9 ‘‘(iii) DATA.—In calculating the num10 ber of enrolled students and low-income 

11 students for purposes of clause (i), the 

12 Secretary shall use— 

13 ‘‘(I) for the first award year of 

14 the program under this section, the 

15 number of students enrolled in award 

16 year 2017–2018; and 

17 ‘‘(II) for each subsequent award 

18 year, the projected student enrollment 

19 numbers for the award year for which 

20 the allotment is made. 

21 ‘‘(3) NO IN-KIND CONTRIBUTIONS.—No in-kind 

22 contribution shall count toward the non-Federal 

23 share requirement under paragraph (2). 

24 ‘‘(c) DETERMINATION OF ALLOTMENT.— 


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1 ‘‘(1) FIRST AWARD YEAR OF PROGRAM.—The 

2 Secretary shall allot, to each eligible State or eligible 

3 Indian entity that submits an application under this 

4 section for a grant under subsection (b)(1) for the 

5 first award year of the program under this section, 

6 an amount that is equal to 67 percent (or not less 

7 than 95 percent in the case of an eligible Indian en8 tity described in subsection (b)(2)(B)) of the total 

9 revenue received— 

10 ‘‘(A) in the case of a State, from all eligi11 ble students at community colleges and at pub12 lic 4-year institutions of higher education in the 

13 State in the form of tuition and required fees 

14 for— 

15 ‘‘(i) with respect to a State that did 

16 not eliminate tuition and required fees as 

17 described in subsection (d)(2) for the pre18 ceding award year, award year 2017–2018; 

19 or 

20 ‘‘(ii) with respect to a State that has 

21 eliminated tuition and required fees as de22 scribed in such subsection, the last award 

23 year that the State charged tuition and re24 quired fees; and 


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1 ‘‘(B) in the case of an eligible Indian enti2 ty, from all eligible students at Tribal Colleges 

3 and Universities of the eligible Indian entity, in 

4 the form of tuition and required fees for— 

5 ‘‘(i) with respect to an eligible Indian 

6 entity that did not eliminate tuition and 

7 required fees as described in subsection 

8 (d)(2) for the preceding award year, award 

9 year 2017–2018; or 

10 ‘‘(ii) with respect to an eligible Indian 

11 entity that has eliminated tuition and re12 quired fees as described in such subsection, 

13 the last award year for which the eligible 

14 Indian entity charged tuition and required 

15 fees. 

16 ‘‘(2) FIRST AWARD YEAR ALLOTMENT FOR

17 STATES AND ELIGIBLE INDIAN ENTITIES APPLYING

18 AFTER THE FIRST YEAR OF THE PROGRAM.— 

19 ‘‘(A) IN GENERAL.—The Secretary shall 

20 allot to each eligible State or eligible Indian en21 tity that submits its first application for a 

22 grant under subsection (b)(1) for the second or 

23 a subsequent year of the program under this 

24 section, an amount equal to— 

25 ‘‘(i) the product of— 


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1 ‘‘(I) the allotment the eligible 

2 State or eligible Indian entity would 

3 have received in the first award year 

4 of the program under this section if 

5 the State or eligible Indian entity had 

6 submitted an application for such 

7 year; 

8 ‘‘(II) the projected full-time 

9 equivalent eligible students figure for 

10 all community colleges and public 4- 

11 year institutions of higher education 

12 of the eligible State, or all Tribal Col13 leges and Universities of the eligible 

14 Indian entity, for the award year for 

15 which the allotment is made; and 

16 ‘‘(III) the amount of additional 

17 expenditures per full-time equivalent 

18 eligible student by the eligible State or 

19 eligible Indian entity that will be nec20 essary to eliminate tuition and re21 quired fees for each such student for 

22 the award year for which the allot23 ment is made; divided by 

24 ‘‘(ii) the product of— 


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1 ‘‘(I) the full-time equivalent eligi2 ble students figure for all community 

3 colleges and public 4-year institutions 

4 of higher education of the eligible 

5 State, or all Tribal Colleges and Uni6 versities of the eligible Indian entity, 

7 for the first award year of the pro8 gram for which the eligible State or 

9 eligible Indian entity was eligible to 

10 submit an application under this sec11 tion; and 

12 ‘‘(II) the amount of expenditures 

13 per full-time equivalent eligible stu14 dent by the eligible State or eligible 

15 Indian entity that would have been 

16 necessary to eliminate tuition and re17 quired fees for each such student for 

18 the first award year of the program 

19 for which the eligible State or eligible 

20 Indian entity was eligible to submit an 

21 application under this section. 

22 ‘‘(B) PROJECTED ENROLLMENT.—If the 

23 projected full-time equivalent eligible students 

24 figure of the State or eligible Indian entity 

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1 cent larger than the full-time equivalent eligible 

2 students figure for the preceding year, the Sec3 retary may challenge such enrollment projection 

4 and offer an alternative enrollment projection 

5 which shall be used in the formula under sub6 paragraph (A) for determining the allotment. 

7 ‘‘(3) SUBSEQUENT AWARD YEARS.— 

8 ‘‘(A) IN GENERAL.—The Secretary shall 

9 allot to an eligible State or eligible Indian entity 

10 submitting an application for a grant under 

11 subsection (b)(1) for a second or subsequent 

12 year after receiving a grant under paragraph 

13 (1) or (2), an amount equal to— 

14 ‘‘(i) the product of— 

15 ‘‘(I) the allotment received for 

16 the first award year for which the eli17 gible State or eligible Indian entity 

18 submitted an application; 

19 ‘‘(II) the projected full-time 

20 equivalent eligible students figure for 

21 all community colleges and public 4- 

22 year institutions of higher education 

23 of the eligible State, or all Tribal Col24 leges and Universities of the eligible 


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1 Indian entity, for the award year for 

2 which the allotment is made; and 

3 ‘‘(III) the amount of additional 

4 expenditures per full-time equivalent 

5 eligible student by the eligible State or 

6 eligible Indian entity that will be nec7 essary to eliminate tuition and re8 quired fees for each such student for 

9 the award year for which the allot10 ment is made; divided by 

11 ‘‘(ii) the product of— 

12 ‘‘(I) the full-time equivalent eligi13 ble student figure for all community 

14 colleges and public 4-year institutions 

15 of higher education of the eligible 

16 State, or all Tribal Colleges and Uni17 versities of the eligible Indian entity, 

18 for the first award year that the State 

19 or eligible Indian entity participates 

20 under paragraph (1) or (2), as the 

21 case may be; and 

22 ‘‘(II) the amount of expenditures 

23 per full-time equivalent eligible stu24 dent by the eligible State or eligible 

25 Indian entity that was necessary to 


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1 eliminate tuition and required fees for 

2 each such student for the first award 

3 year that the State or eligible Indian 

4 entity participates under paragraph 

5 (1) or (2), as the case may be. 

6 ‘‘(B) PROJECTED ENROLLMENT.—If the 

7 projected full-time equivalent eligible students 

8 figure of the State or eligible Indian entity 

9 under subparagraph (A) is more than 25 per10 cent larger than the full-time equivalent eligible 

11 students figure for the preceding year, the Sec12 retary may challenge such enrollment projection 

13 and offer an alternative enrollment projection 

14 which shall be used in the formula under sub15 paragraph (A) for determining the allotment. 

16 ‘‘(4) ACTUAL ENROLLMENT FIGURES.— 

17 ‘‘(A) IN GENERAL.—By not later than No18 vember 1 of the second award year for which a 

19 State or eligible Indian entity receives an allot20 ment under this section, and each succeeding 

21 November 1, such State or eligible Indian entity 

22 shall report to the Secretary its actual full-time 

23 equivalent eligible students figure for the pre24 ceding award year. 


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1 ‘‘(B) ADJUSTMENTS.—If the actual full2 time equivalent eligible students figure for the 

3 preceding award year reported under subpara4 graph (A)— 

5 ‘‘(i) exceeds the projected enrollment 

6 that was used for determining the allot7 ment for the preceding award year, not8 withstanding any other provision of this 

9 section, the allotment for the award year in 

10 which the November 1 date falls for the 

11 State or eligible Indian entity shall be in12 creased to reflect such actual enrollment, 

13 which figure shall be increased by the 

14 State Gross Domestic Product Price Index, 

15 or the Gross Domestic Product Price Index 

16 of the State in which the eligible Indian 

17 entity operates; or 

18 ‘‘(ii) is below the projected enrollment 

19 that was used for determining the allot20 ment for the preceding award year, not21 withstanding any other provision of this 

22 section, the allotment for the award year in 

23 which the November 1 date falls for the 

24 State or eligible Indian entity shall be de25 creased to reflect such actual enrollment, 


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1 which figure shall be increased by the aver2 age interest rate on 5-year United States 

3 Treasury securities issued during the pre4 ceding award year. 

5 ‘‘(5) ADDITIONAL FUNDS.—If a State or eligi6 ble Indian entity provides additional funds toward 

7 reducing the cost of attendance and improving in8 struction at institutions of higher education beyond 

9 the cost of eliminating tuition and required fees as 

10 described in subsection (d)(2) for any award year 

11 that is more than the non-Federal share requirement 

12 under subsection (b)(2) and the maintenance of ex13 penditures requirement under paragraphs (3) and 

14 (4) of subsection (d), the Secretary shall provide to 

15 the State or eligible Indian entity an amount equal 

16 to such additional funding provided by the State or 

17 eligible Indian entity, which amount provided by the 

18 Secretary may be used for the activities described in 

19 subsection (f)(2). 

20 ‘‘(d) STATE AND ELIGIBLE INDIAN ENTITY ELIGI21 BILITY REQUIREMENTS.—In order to be eligible to receive 

22 an allotment under this section for an award year, a State 

23 or eligible Indian entity shall comply with the following: 

24 ‘‘(1) Ensure that public institutions of higher 

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1 versities of the eligible Indian entity maintain ex2 penditures on instruction per full-time equivalent 

3 student at levels that are equal to or exceed the ex4 penditures on instruction per full-time equivalent 

5 student for award year 2017–2018. 

6 ‘‘(2) Ensure that tuition and required fees are 

7 eliminated— 

8 ‘‘(A) in the case of a State, for eligible stu9 dents at all community colleges and in all public 

10 4-year institutions of higher education in the 

11 State; or 

12 ‘‘(B) in the case of an eligible Indian enti13 ty, for eligible students in all Tribal Colleges 

14 and Universities of the eligible Indian entity. 

15 ‘‘(3) Maintain State operating expenditures per 

16 full-time equivalent student for public institutions of 

17 higher education in the State, or operating expendi18 tures per full-time equivalent student for Tribal Col19 leges and Universities of the eligible Indian entity, 

20 excluding the amount of funds provided under this 

21 section, at a level that is equal to or exceeds the 

22 level of such support for award year 2017–2018. 

23 ‘‘(4) Maintain State expenditures on need-based 

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1 tures on need-based financial aid programs for en2 rollment in Tribal Colleges and Universities of the 

3 eligible Indian entity at a level that is equal to or 

4 exceeds the level of such support for award year 

5 2017–2018. 

6 ‘‘(5) Ensure public institutions of higher edu7 cation in the State or Tribal Colleges and Univer8 sities of the eligible Indian entity maintain funding 

9 for institutional need-based student financial aid in 

10 an amount that is equal to or exceeds the level of 

11 such support for award year 2017–2018. 

12 ‘‘(6) Provide an assurance that not later than 

13 5 years after the first award year for which the 

14 grant is awarded, not less than 75 percent of in15 struction at public institutions of higher education in 

16 the State or Tribal Colleges and Universities of the 

17 eligible Indian entity is provided by tenured or ten18 ure-track faculty. 

19 ‘‘(7) Require that public institutions of higher 

20 education in the State or Tribal Colleges and Uni21 versities of the eligible Indian entity provide, for 

22 each student enrolled at the institution who receives 

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1 nancial aid (excluding student loans) in an amount 

2 equal to 100 percent of the difference between— 

3 ‘‘(A) the cost of attendance at such institu4 tion; and 

5 ‘‘(B) the sum of— 

6 ‘‘(i) the amount of the maximum Fed7 eral Pell Grant award; and 

8 ‘‘(ii) the student’s expected family 

9 contribution. 

10 ‘‘(8) Ensure that public institutions of higher 

11 education in the State or Tribal Colleges and Uni12 versities of the eligible Indian entity not adopt poli13 cies to reduce enrollment. 

14 ‘‘(9) Provide an assurance that public institu15 tions of higher education in the State or Tribal Col16 leges and Universities of the eligible Indian entity 

17 will not charge out-of-State students an amount that 

18 exceeds the marginal cost of attending institutions of 

19 higher education in the State or Tribal Colleges and 

20 Universities of the eligible Indian entity. 

21 ‘‘(10) Provide an assurance that public institu22 tions of higher education in the State or Tribal Col23 leges and Universities of the eligible Indian entity 

24 that charge non-eligible in-State students tuition and 

25 required fees, will not charge such students a rate 


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1 that exceeds the rate for the last year that tuition 

2 and required fees were charged to eligible students, 

3 increased by the percentage change for subsequent 

4 years in the expenditures per full-time equivalent eli5 gible student by the State or eligible entity that is 

6 necessary to continue to eliminate tuition and re7 quired fees for eligible students. 

8 ‘‘(e) SUBMISSION AND CONTENTS OF APPLICA9 TION.—For each award year for which a State or eligible 

10 Indian entity desires a grant under this section, an appli11 cation shall be submitted to the Secretary at such time, 

12 in such manner, and containing such information as the 

13 Secretary may require. Such application shall be sub14 mitted by— 

15 ‘‘(1) in the case of a State, the State agency 

16 with jurisdiction over higher education or another 

17 agency designated by the Governor or chief executive 

18 of the State to administer the program under this 

19 section; and 

20 ‘‘(2) in the case of an eligible Indian entity, the 

21 eligible Indian entity or a Tribal College or Univer22 sity of the eligible Indian entity. 

23 ‘‘(f) USE OF FUNDS.— 

24 ‘‘(1) IN GENERAL.—A State or eligible Indian 

25 entity that receives a grant under this section shall 


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1 use the grant funds and the non-Federal share 

2 funds required under this section— 

3 ‘‘(A) in the case of a State, to eliminate 

4 tuition and required fees for all eligible students 

5 at community colleges and public 4-year institu6 tions of higher education in the State; and 

7 ‘‘(B) in the case of an eligible Indian enti8 ty, to eliminate tuition and required fees for all 

9 eligible students at Tribal Colleges and Univer10 sities of the eligible Indian entity. 

11 ‘‘(2) ADDITIONAL FUNDING.—Once tuition and 

12 required fees have been eliminated pursuant to para13 graph (1), a State or eligible Indian entity that re14 ceives a grant under this section shall use any re15 maining grant funds and non-Federal share funds 

16 required under this section to reduce the cost of at17 tendance and increase the quality of instruction and 

18 student support services at public institutions of 

19 higher education in the State or at Tribal Colleges 

20 and Universities of the eligible Indian entity by car21 rying out any of the following: 

22 ‘‘(A) Providing additional non-loan aid to 

23 students, which may include need-based student 

24 financial aid, to reduce or eliminate the cost of 

25 attendance for a public institution of higher 


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1 education or a Tribal College or University be2 yond eliminating tuition and required fees. 

3 ‘‘(B) Expanding academic course offerings 

4 and high-quality occupational skills training 

5 programs to students. 

6 ‘‘(C) Increasing the number and percent7 age of full-time instructional faculty, including 

8 full-time tenure and tenure-track instructional 

9 faculty. 

10 ‘‘(D) Providing all faculty with profes11 sional supports to help students succeed, such 

12 as professional development opportunities, office 

13 space, and shared governance in the institution. 

14 ‘‘(E) Compensating adjunct and part-time 

15 faculty for work done inside and outside of the 

16 classroom relating to instruction, such as hold17 ing office hours. 

18 ‘‘(F) Strengthening and ensuring all stu19 dents have access to student support services 

20 such as academic advising, counseling, and tu21 toring. 

22 ‘‘(G) Expanding access to dual or concur23 rent enrollment programs and early college high 

24 school programs. 


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1 ‘‘(H) Any other additional activities that 

2 improve instructional quality and academic out3 comes for students as approved by the Sec4 retary through a peer review process. 

5 ‘‘(3) PROHIBITION.—A State or eligible Indian 

6 entity that receives a grant under this section may 

7 not use grant funds or non-Federal share funds re8 quired under this section— 

9 ‘‘(A) for the construction of a nonacademic 

10 facility, such as an athletic facility or stadium; 

11 ‘‘(B) for merit-based student financial aid; 

12 ‘‘(C) for need-based student financial aid 

13 (except to the extent funds available under sub14 section (c)(5) are used to carry out paragraph 

15 (2)(A)); 

16 ‘‘(D) to pay the salaries or benefits of 

17 school administrators; 

18 ‘‘(E) for capital outlays or deferred main19 tenance; or 

20 ‘‘(F) for expenditures on athletics other 

21 than activities open to all members of the cam22 pus community. 

23 ‘‘(g) AUTHORIZATION OF APPROPRIATIONS.— 


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1 ‘‘(1) IN GENERAL.—There are authorized to be 

2 appropriated, and there are appropriated, to carry 

3 out this section— 

4 ‘‘(A) such sums as may be necessary for 

5 the fourth quarter of fiscal year 2019; 

6 ‘‘(B) $48,000,000,000 for fiscal year 2020; 

7 and 

8 ‘‘(C) such sums as may be necessary for 

9 each of the fiscal years 2021 through 2029. 

10 ‘‘(2) AVAILABILITY OF FUNDS.—Funds made 

11 available pursuant to paragraph (1)(A) shall be 

12 available for obligation from October 1, 2019, to 

13 September 30, 2020. Funds made available pursuant 

14 to subparagraph (B) or (C) of paragraph (1) shall 

15 be available for obligation through September 30 of 

16 the fiscal year succeeding the fiscal year for which 

17 such sums were appropriated. 

18 ‘‘SEC. 902. GRANT PROGRAM FOR PRIVATE HISTORICALLY 

19 BLACK COLLEGES AND UNIVERSITIES AND 

20 PRIVATE MINORITY-SERVING INSTITUTIONS. 

21 ‘‘(a) DEFINITIONS.—Except as otherwise provided, in 

22 this section: 

23 ‘‘(1) COMMUNITY COLLEGE.—The term ‘com24 munity college’ has the meaning given the term in 

25 section 901. 


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1 ‘‘(2) ELIGIBLE INSTITUTION.— 

2 ‘‘(A) IN GENERAL.—Except as provided in 

3 subparagraph (D), the term ‘eligible institution’ 

4 means a private, nonprofit 2-year institution or 

5 4-year institution that— 

6 ‘‘(i) is— 

7 ‘‘(I) a part B institution (as de8 fined in section 322); 

9 ‘‘(II) a Hispanic-serving institu10 tion (as defined in section 502); 

11 ‘‘(III) a Tribal College or Univer12 sity (as defined in section 316) whose 

13 entity responsible for the governance, 

14 operation, or control of the College or 

15 University has not received a grant 

16 under section 901; 

17 ‘‘(IV) an Alaska Native-serving 

18 institution or a Native Hawaiian-serv19 ing institution (as defined in section 

20 317(b)); 

21 ‘‘(V) a Predominantly Black in22 stitution (as defined in section 

23 371(c)); 

24 ‘‘(VI) an Asian American and 

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1 serving institution (as defined in sec2 tion 371(c)); or 

3 ‘‘(VII) a Native American-serving 

4 nontribal institution (as defined in 

5 section 371(c)); 

6 ‘‘(ii) has a student body of which not 

7 less than 35 percent are low-income stu8 dents; 

9 ‘‘(iii) ensures that tuition and re10 quired fees for eligible students enrolled in 

11 the institution are eliminated or signifi12 cantly reduced during any period for which 

13 the institution receives a grant under this 

14 section; 

15 ‘‘(iv) maintains expenditures on in16 struction per a full-time equivalent eligible 

17 student at levels that meet or exceed the 

18 expenditures on instruction per a full-time 

19 equivalent eligible student for award year 

20 2017–2018; 

21 ‘‘(v) will invest institutional funds and 

22 seek additional funding to reduce or elimi23 nate tuition and required fees for all stu24 dents; 


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1 ‘‘(vi) maintains expenditures on need2 based financial aid programs for students 

3 enrolled at the institution at a level that 

4 meets or exceeds the level of such support 

5 for award year 2017–2018; 

6 ‘‘(vii) provides an assurance that the 

7 institution will increase the amount of in8 struction provided by tenured or tenure9 track faculty; and 

10 ‘‘(viii) does not adopt policies to re11 duce enrollment. 

12 ‘‘(B) 2-YEAR INSTITUTION.—The term ‘2- 

13 year institution’ means an institution at which 

14 the credential that is predominantly awarded to 

15 students is at the sub-baccalaureate level. 

16 ‘‘(C) 4-YEAR INSTITUTION.—The term ‘4- 

17 year institution’ means an institution that is 

18 not a 2-year institution. 

19 ‘‘(D) EXCEPTION.— 

20 ‘‘(i) IN GENERAL.—An eligible institu21 tion as described in subparagraph (A) shall 

22 not be an eligible institution for purposes 

23 of this section for the period described in 

24 clause (ii) if such institution was a forVerDate Sep 11 2014 20:55 Jul 02, 2019 Jkt 089200 PO 00000 Frm 00027 Fmt 6652 Sfmt 6201 E:\BILLS\S1947.IS S1947

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1 profit institution at any time that con2 verted to a nonprofit institution. 

3 ‘‘(ii) PERIOD OF INELIGIBILITY.—An 

4 institution described under clause (i) shall 

5 not be an eligible institution for purposes 

6 of this section for a period of 25 years 

7 from the date the institution converted 

8 from a for-profit institution to a nonprofit 

9 institution or 25 years after the date of en10 actment of this Act, whichever period is 

11 longer. 

12 ‘‘(3) ELIGIBLE STUDENT.—The term ‘eligible 

13 student’ means a low-income student enrolled in an 

14 eligible institution who has not obtained a bacca15 laureate degree or a higher degree. 

16 ‘‘(4) FULL-TIME EQUIVALENT ELIGIBLE STU17 DENTS.—The term ‘full-time equivalent eligible stu18 dents’ means the sum of the number of eligible stu19 dents projected to enroll full time at an institution 

20 for an award year, plus the full-time equivalent of 

21 the number of eligible students projected to be en22 rolled part time (determined on the basis of the 

23 quotient of the sum of the credit hours of all part24 time eligible students divided by 12) at such institu25 tion, for such award year. 


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1 ‘‘(5) LOW-INCOME STUDENT.—The term ‘low2 income student’ has the meaning given such term by 

3 the Secretary, except that such term shall not ex4 clude any student eligible for a Federal Pell Grant 

5 under section 401. 

6 ‘‘(6) PUBLIC 4-YEAR INSTITUTION OF HIGHER

7 EDUCATION.—The term ‘public 4-year institution of 

8 higher education’ has the meaning given the term in 

9 section 901. 

10 ‘‘(b) AUTHORIZATION OF GRANT PROGRAM.— 

11 ‘‘(1) IN GENERAL.—From amounts appro12 priated under subsection (e), the Secretary shall 

13 award grants, from allotments under paragraph (2), 

14 to eligible institutions having applications approved 

15 under subsection (c), to enable the eligible institu16 tions to eliminate or significantly reduce tuition and 

17 required fees for eligible students. 

18 ‘‘(2) ALLOTMENTS.—Subject to paragraph (3), 

19 the Secretary shall allot, for each award year, to 

20 each eligible institution having an application ap21 proved under subsection (c), an amount that is equal 

22 to the product of— 

23 ‘‘(A) tuition and required fees for eligible 

24 students at the eligible institution for the award 

25 year, and 


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1 ‘‘(B) the number of full-time equivalent eli2 gible students projected to enroll in the eligible 

3 institution for the award year. 

4 ‘‘(3) LIMITATIONS.— 

5 ‘‘(A) LIMITATIONS ON INSTITUTIONAL AL6 LOTMENTS.—In making allotments under para7 graph (2) for an award year, the Secretary 

8 shall not award an allotment that is— 

9 ‘‘(i) with respect to an eligible institu10 tion that operates in a State that has 

11 eliminated tuition and required fees as de12 scribed in section 901(d)(2) for the pre13 ceding award year, more than the amount 

14 equal to the product of— 

15 ‘‘(I) the number of projected full16 time equivalent eligible students for 

17 the award year; and 

18 ‘‘(II) the expenditures per full19 time equivalent eligible student, in20 cluding the Federal allotment and 

21 non-Federal share, under section 901 

22 for the preceding award year for the 

23 State (or, in the case of a State that 

24 did not receive a grant under such 

25 section for the preceding award year, 


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1 the amount needed to eliminate tui2 tion and required fees for full-time 

3 equivalent eligible students in the 

4 State, calculated in the same manner 

5 as such amount is calculated under 

6 section 901(c) for the preceding 

7 award year for the State), at— 

8 ‘‘(aa) if the eligible institu9 tion is a 2-year institution, com10 munity colleges in the State in 

11 which the institution operates; or 

12 ‘‘(bb) if the eligible institu13 tion is a 4-year institution, public 

14 4-year institutions of higher edu15 cation in the State in which the 

16 institution operates; and 

17 ‘‘(ii) with respect to an eligible insti18 tution that operates in a State that has 

19 not eliminated tuition and required fees as 

20 described in section 901(d)(2) for the pre21 ceding award year, more than the amount 

22 equal to the product of— 

23 ‘‘(I) the number of projected full24 time equivalent eligible students for 

25 the award year; and 


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1 ‘‘(II) the average tuition and re2 quired fees for the preceding award 

3 year at— 

4 ‘‘(aa) if the eligible institu5 tion is a 2-year institution, public 

6 2-year institutions of higher edu7 cation in the State in which the 

8 institution operates; or 

9 ‘‘(bb) if the eligible institu10 tion is a 4-year institution, public 

11 4-year institutions of higher edu12 cation in the State in which the 

13 institution operates. 

14 ‘‘(B) LIMITATIONS ON TUITION HIKES.— 

15 ‘‘(i) FIRST AWARD YEAR.—For the 

16 first award year for which an eligible insti17 tution applies for a grant under this sec18 tion, such eligible institution shall not in19 crease tuition and required fees at a rate 

20 that is greater than any annual increase in 

21 tuition and required fees at the eligible in22 stitution for the 5 years preceding such 

23 first award year. 

24 ‘‘(ii) SUCCEEDING AWARD YEARS.— 


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1 ‘‘(I) IN GENERAL.—For each 

2 award year after the first award year 

3 for which an eligible institution re4 ceives a grant under this section, such 

5 eligible institution shall not increase 

6 tuition and required fees for eligible 

7 students from the preceding award 

8 year at a rate that is greater than the 

9 percentage increase in the Employ10 ment Cost Index for the award year 

11 for which the grant is received, as 

12 compared to the Employment Cost 

13 Index for the award year preceding 

14 the award year for which the grant is 

15 received. 

16 ‘‘(II) EMPLOYMENT COST

17 INDEX.—In this subparagraph, the 

18 term ‘Employment Cost Index’, when 

19 used with respect to an award year, 

20 means the Employment Cost Index 

21 for total compensation for private in22 dustry workers by bargaining status 

23 and census region and division (not 

24 seasonally adjusted) of the division in 

25 which the eligible entity is located, as 


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1 provided by the Bureau of Labor Sta2 tistics of the Department of Labor, 

3 that is provided for the December 

4 that immediately precedes the start of 

5 the award year. 

6 ‘‘(4) ACTUAL ENROLLMENT FIGURES.— 

7 ‘‘(A) IN GENERAL.—By not later than No8 vember 1 of the second award year for which an 

9 eligible institution receives a grant under this 

10 section, such eligible institution shall report to 

11 the Secretary its actual full-time equivalent eli12 gible students figure for the preceding award 

13 year. 

14 ‘‘(B) ADJUSTMENTS.—If the actual full15 time equivalent eligible students figure for the 

16 preceding award year reported under subpara17 graph (A)— 

18 ‘‘(i) exceeds the projected enrollment 

19 that was used for determining the allot20 ment under paragraph (2)(B) for the pre21 ceding award year, notwithstanding any 

22 other provision of this Act, the allotment 

23 for the award year in which the November 

24 1 date falls for the eligible institution shall 

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1 ment, which figure shall be increased by 

2 the Gross Domestic Product Price Index of 

3 the State in which the eligible institution 

4 operates; or 

5 ‘‘(ii) is below the projected enrollment 

6 that was used for determining the allot7 ment under paragraph (2)(B) for the pre8 ceding award year, notwithstanding any 

9 other provision of this Act, the allotment 

10 for the award year in which the November 

11 1 date falls for the eligible institution shall 

12 be decreased to reflect such actual enroll13 ment, which figure shall be increased by 

14 the average interest rate on 5-year United 

15 States Treasury securities issued during 

16 the preceding award year. 

17 ‘‘(c) APPLICATION.—An eligible institution that de18 sires to receive a grant under this section shall submit to 

19 the Secretary an application at such time, in such manner, 

20 and containing such information as the Secretary may re21 quire. 

22 ‘‘(d) PROHIBITION.—An eligible institution that re23 ceives a grant under this section may not use grant funds 

24 under this section— 


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1 ‘‘(1) for the construction of a nonacademic fa2 cility, such as an athletic facility or stadium; 

3 ‘‘(2) for merit-based or need-based student fi4 nancial aid; 

5 ‘‘(3) to pay the salaries or benefits of school ad6 ministrators; 

7 ‘‘(4) for capital outlays or deferred mainte8 nance; or 

9 ‘‘(5) for expenditures on athletics other than 

10 activities open to all members of the campus com11 munity. 

12 ‘‘(e) AUTHORIZATION OF APPROPRIATIONS.— 

13 ‘‘(1) IN GENERAL.—There are authorized to be 

14 appropriated, and there are appropriated, to carry 

15 out this section— 

16 ‘‘(A) such sums as may be necessary for 

17 the fourth quarter of fiscal year 2019; 

18 ‘‘(B) $1,340,000,000 for fiscal year 2020; 

19 and 

20 ‘‘(C) such sums as may be necessary for 

21 each of the fiscal years 2021 through 2029. 

22 ‘‘(2) AVAILABILITY OF FUNDS.—Funds made 

23 available pursuant to paragraph (1)(A) shall be 

24 available for obligation from October 1, 2019, to 

25 September 30, 2020. Funds made available pursuant 


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1 to subparagraph (B) or (C) of paragraph (1) shall 

2 be available for obligation through September 30 of 

3 the fiscal year succeeding the fiscal year for which 

4 such sums were appropriated.’’. 

5 SEC. 102. INCREASING SUCCESS FOR LOW-INCOME AND 

6 FIRST GENERATION STUDENTS. 

7 (a) AUTHORIZATION OF APPROPRIATIONS FOR FED8 ERAL TRIO PROGRAMS.—Section 402A(g) of the Higher 

9 Education Act of 1965 (20 U.S.C. 1070a–11(g)) is 

10 amended by inserting after the first sentence the fol11 lowing: ‘‘For the purpose of making grants and contracts 

12 under this chapter, there are authorized to be appro13 priated $1,260,000,000 for fiscal year 2020, 

14 $1,440,000,000 for fiscal year 2021, $1,620,000,000 for 

15 fiscal year 2022, $1,800,000,000 for fiscal year 2023, 

16 $2,000,000,000 for fiscal year 2024, and such sums as 

17 may be necessary for each of fiscal years 2024 through 

18 2028.’’. 

19 (b) AUTHORIZATION OF APPROPRIATIONS FOR

20 GEAR UP PROGRAMS.—Section 404H of the Higher 

21 Education Act of 1965 (20 U.S.C. 1070a–28) is amended 

22 by striking ‘‘$400,000,000’’ and all that follows through 

23 the period and inserting ‘‘$410,000,000 for fiscal year 

24 2020, $419,000,000 for fiscal year 2021, $427,000,000 


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1 for fiscal year 2022, $436,000,000 for fiscal year 2023, 

2 and $445,000,000 for fiscal year 2024.’’. 

3 TITLE II—EXPANSION OF WORK 

4 STUDY TO MEET THE NEEDS 

5 OF TODAY’S STUDENTS 

6 SEC. 201. AUTHORIZATION OF APPROPRIATIONS. 

7 Section 441(b) of the Higher Education Act of 1965 

8 (20 U.S.C. 1087–51(b)) is amended to read as follows: 

9 ‘‘(b) AUTHORIZATION OF APPROPRIATIONS.—There 

10 are authorized to be appropriated to carry out this part— 

11 ‘‘(1) $1,500,000,000 for fiscal year 2020; 

12 ‘‘(2) $2,000,000,000 for fiscal year 2021; 

13 ‘‘(3) $2,500,000,000 for fiscal year 2022; 

14 ‘‘(4) $3,000,000,000 for fiscal year 2023; 

15 ‘‘(5) $3,500,000,000 for fiscal year 2024; and 

16 ‘‘(6) such sums as may be necessary for each 

17 of fiscal years 2025–2028.’’. 

18 SEC. 202. REFORM OF THE WORK STUDY FORMULA. 

19 Section 442 of the Higher Education Act of 1965 (20 

20 U.S.C. 1087–52) is amended— 

21 (1) by striking subsection (a) and inserting the 

22 following: 

23 ‘‘(a) REVISION TO THE FEDERAL WORK STUDY AL24 LOCATION.—The Secretary shall allocate funds under this 


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1 section solely on the basis of the self-help need determina2 tion described under subsection (c).’’; 

3 (2) in subsection (c)— 

4 (A) in paragraph (2), by striking ‘‘To de5 termine the self-help need of an institution’s eli6 gible undergraduate students,’’ and inserting 

7 ‘‘Until such time as the Secretary establishes a 

8 revised method to determine the self-help need 

9 of an institution’s eligible undergraduate stu10 dents, in accordance with paragraph (5),’’; 

11 (B) in paragraph (3), by striking ‘‘To de12 termine the self-help need of an institution’s eli13 gible graduate and professional students’’, and 

14 inserting ‘‘Until such time as the Secretary es15 tablishes a revised method to determine the 

16 self-help need of an institution’s eligible grad17 uate and professional students, in accordance 

18 with paragraph (5),’’; and 

19 (C) by adding at the end the following: 

20 ‘‘(5) Not later than 1 year after the date of en21 actment of the College for All Act of 2019, the Sec22 retary shall establish revised methods for deter23 mining the self-help need of an institution’s eligible 

24 undergraduate students, as described in paragraph 

25 (2), and eligible graduate and professional students, 


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1 as described in paragraph (3), that shall take into 

2 account the number of Federal Pell Grant eligible 

3 low-income and moderate-income students that an 

4 eligible institution serves and provide considerations 

5 for eligible institutions that successfully demonstrate 

6 improved employment outcomes. The Secretary shall 

7 promulgate any regulations necessary to carry out 

8 the revised methods of determining an eligible insti9 tution’s self-help need under this subsection.’’; and 

10 (3) by adding at the end the following: 

11 ‘‘(f) FUNDS TO EXPAND JOB LOCATION DEVELOP12 MENT PROGRAMS.—Notwithstanding any other provision 

13 of this part, to promote career readiness and improve the 

14 employment skills of Federal Pell Grant-eligible students, 

15 the Secretary is authorized to enter into agreements with 

16 eligible institutions under which such institution may use 

17 not more than 20 percent or $150,000 of its allotment 

18 under this section, whichever amount is less, to expand 

19 job location development programs, which may be coordi20 nated with State and local workforce development 

21 boards.’’. 


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1 TITLE III—STUDENT LOAN RE2 LIEF FOR MILLIONS OF BOR3 ROWERS 

4 SEC. 301. RESTORATION OF CERTAIN INTEREST RATE PRO5 VISIONS. 

6 Section 455(b) of the Higher Education Act of 1965 

7 (20 U.S.C. 1087e(b)) is amended— 

8 (1) in paragraph (8)— 

9 (A) in the heading, by striking ‘‘ON OR

10 AFTER JULY 1, 2013’’ and inserting ‘‘ON OR

11 AFTER JULY 1, 2013, AND BEFORE JULY 1, 

12 2019’’; and 

13 (B) by striking ‘‘on or after July 1, 2013’’ 

14 and inserting ‘‘on or after July 1, 2013, and 

15 before July 1, 2019’’ each place the term ap16 pears; 

17 (2) by redesignating paragraphs (9) and (10) 

18 as paragraphs (10) and (11), respectively; and 

19 (3) by inserting after paragraph (8) the fol20 lowing: 

21 ‘‘(9) INTEREST RATE PROVISIONS FOR NEW

22 LOANS ON OR AFTER JULY 1, 2019.— 

23 ‘‘(A) RATES FOR UNDERGRADUATE FDSL

24 AND FDUSL AND GRADUATE AND PROFES25 SIONAL FDUSL.—Notwithstanding the preVerDate Sep 11 2014 20:55 Jul 02, 2019 Jkt 089200 PO 00000 Frm 00041 Fmt 6652 Sfmt 6201 E:\BILLS\S1947.IS S1947

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1 ceding paragraphs of this subsection, for Fed2 eral Direct Stafford Loans and Federal Direct 

3 Unsubsidized Stafford Loans issued to under4 graduate students and graduate and profes5 sional students, for which the first disburse6 ment is made on or after July 1, 2019, the ap7 plicable rate of interest shall, during any 12- 

8 month period beginning on July 1 and ending 

9 on June 30, be equal to not more than 1.88 

10 percent. 

11 ‘‘(B) IN SCHOOL AND GRACE PERIOD

12 RULES FOR UNDERGRADUATES AND GRADUATE

13 AND PROFESSIONAL STUDENTS.—Notwith14 standing the preceding paragraphs of this sub15 section, with respect to any Federal Direct 

16 Stafford Loan or Federal Direct Unsubsidized 

17 Stafford Loan issued to an undergraduate stu18 dent or a graduate or professional student for 

19 which the first disbursement is made on or 

20 after July 1, 2019, the applicable rate of inter21 est for interest which accrues— 

22 ‘‘(i) prior to the beginning of the re23 payment period of the loan; or 

24 ‘‘(ii) during the period in which prin25 cipal need not be paid (whether or not 


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1 such principal is in fact paid) by reason of 

2 a provision described in subsection (f), 

3 shall be equal to not more than 1.88 percent. 

4 ‘‘(C) PLUS LOANS.—Notwithstanding the 

5 preceding paragraphs of this subsection, with 

6 respect to Federal Direct PLUS Loan for which 

7 the first disbursement is made on or after July 

8 1, 2019, the applicable rate of interest shall be 

9 equal to not more than 1.88 percent. 

10 ‘‘(D) CONSOLIDATION LOANS.—Notwith11 standing the preceding paragraphs of this sub12 section, any Federal Direct Consolidation loan 

13 for which the application is received on or after 

14 July 1, 2019, shall bear interest at an annual 

15 rate on the unpaid principal balance of the loan 

16 that is equal to not more than 1.88 percent.’’. 

17 TITLE IV—STUDENT DEBT 

18 CANCELLATION 

19 SEC. 401. SHORT TITLE. 

20 This title may be cited as the ‘‘Student Debt Can21 cellation Act of 2019’’. 

22 SEC. 402. FORGIVENESS OF OUTSTANDING FEDERAL STU23 DENT LOANS. 

24 (a) FORGIVENESS REQUIRED.—Notwithstanding any 

25 other provision of law, not later than 180 days after the 


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1 date of the enactment of this title, the Secretary of Edu2 cation shall forgive the outstanding balance of interest and 

3 principal due on all eligible Federal student loans. 

4 (b) DEFINITION OF ELIGIBLE FEDERAL STUDENT

5 LOAN.—In this title, the term ‘‘eligible Federal student 

6 loan’’ means any loan made, insured, or guaranteed under 

7 part B, part D, or part E of title IV of the Higher Edu8 cation Act of 1965 (20 U.S.C. 1071 et seq., 1087a et seq., 

9 1087aa et seq.) before the date of enactment of this title, 

10 including— 

11 (1) loans made to a parent borrower on behalf 

12 of a dependent student under part B or part D of 

13 such Act; 

14 (2) consolidation loans made under such Act; 

15 and 

16 (3) any grant treated as a loan under such part 

17 D in accordance with section 258(e), section 

18 420M(c), or section 807(d) of such Act. 

19 (c) METHOD OF LOAN FORGIVENESS.—To provide 

20 the loan forgiveness required under subsection (a), the 

21 Secretary of Education is authorized to carry out a pro22 gram— 

23 (1) through the holder of a loan, to assume the 

24 obligation to repay the outstanding balance of inter25 est and principal due on loans made, insured, or 


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1 guaranteed under part B of title IV of the Higher 

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

3 and 

4 (2) to cancel the outstanding balance of interest 

5 and principal due on loans made under part D or 

6 part E of such title. 

7 (d) REPAYMENT REFUNDS.— 

8 (1) PRIOR REPAYMENT.—Nothing in this sec9 tion shall be construed to authorize any refunding of 

10 any eligible Federal student loan repayment made 

11 before the date of enactment of this title. 

12 (2) PAYMENTS MADE AFTER ENACTMENT.— 

13 The Secretary shall refund to each borrower who re14 ceives forgiveness under this section the amount of 

15 any payments the borrower makes on an eligible 

16 Federal student loan during the period beginning on 

17 the date of the enactment of this title and ending on 

18 the date on which the Secretary forgives the out19 standing balance of such eligible Federal student 

20 loan. 

21 (e) EXCLUSION FROM TAXABLE INCOME.—The 

22 amount of a borrower’s eligible Federal student loans for23 given under this section, and the amount of any repay24 ments to a borrower under subsection (d)(2), shall not be 


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1 included in the gross income of the borrower for purposes 

2 of the Internal Revenue Code of 1986. 

3 SEC. 403. PURCHASE AND FORGIVENESS OF OUTSTANDING 

4 PRIVATE STUDENT LOANS. 

5 (a) IN GENERAL.—Part D of title IV of the Higher 

6 Education Act of 1965 (20 U.S.C. 1087a et seq.) is 

7 amended by inserting after section 459B the following: 

8 ‘‘SEC. 459C. TEMPORARY AUTHORITY TO PURCHASE AND 

9 FORGIVE ELIGIBLE PRIVATE STUDENT 

10 LOANS. 

11 ‘‘(a) PRIVATE EDUCATION LOAN PURCHASE AND

12 FORGIVENESS.—Notwithstanding any other provision of 

13 law, not later than 180 days after the date of enactment 

14 of the Student Debt Cancellation Act of 2019, the Sec15 retary, in consultation with the Secretary of the Treasury, 

16 shall carry out a program under which the Secretary shall 

17 purchase, and then forgive, the outstanding balance of in18 terest and principal due on eligible private student loans. 

19 ‘‘(b) DEFINITIONS.—In this section: 

20 ‘‘(1) ELIGIBLE PRIVATE STUDENT LOAN.—In 

21 this section, the term ‘eligible private student loan’ 

22 means a private education loan, as defined in section 

23 140(a) of the Truth in Lending Act (15 U.S.C. 

24 1650(a)), that was expressly for the cost of attend25 ance (as defined in section 472) at an institution of 


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1 higher education participating in a loan program 

2 under this part or part B or E, as of the date that 

3 the loan was disbursed, and that was made before 

4 the date of enactment of the Student Debt Cancella5 tion Act of 2019. 

6 ‘‘(2) PRIVATE EDUCATIONAL LENDER.—The 

7 term ‘private educational lender’ has the meaning 

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

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

10 ‘‘(c) METHOD OF LOAN PURCHASE AND FORGIVE11 NESS.—The Secretary, in consultation with the Secretary 

12 of the Treasury, shall carry out a program under which 

13 the Secretary, upon application by a borrower who has an 

14 eligible private student loan, shall purchase the eligible 

15 private student loans of the borrower, issue such borrower 

16 a loan under this section, and forgive such loan, in accord17 ance with the following: 

18 ‘‘(1) The Secretary shall pay to the private edu19 cational lender of the eligible private student loan an 

20 amount equal to the sum of the unpaid principal, ac21 crued unpaid interest, and late charges of the eligi22 ble private student loan, as calculated on the date of 

23 the purchase of such loan, in order to discharge the 

24 borrower from any remaining obligation to the priVerDate Sep 11 2014 20:55 Jul 02, 2019 Jkt 089200 PO 00000 Frm 00047 Fmt 6652 Sfmt 6201 E:\BILLS\S1947.IS S1947

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1 vate educational lender with respect to the eligible 

2 private student loan. 

3 ‘‘(2) The Secretary shall issue to the borrower 

4 a loan, known as a Federal Direct Forgiveness 

5 Loan, in an amount equal to the sum of the amount 

6 paid to the private educational lender of the eligible 

7 private student loan of the borrower that was pur8 chased by the Secretary in accordance with para9 graph (1). 

10 ‘‘(3) The Secretary shall, immediately upon 

11 issuance of a Federal Direct Forgiveness Loan, can12 cel the outstanding balance of interest and principal 

13 due on such loan. 

14 ‘‘(d) REPAYMENT REFUNDS PROHIBITED.—Nothing 

15 in this section shall be construed to authorize any refund16 ing of any repayment of a loan. 

17 ‘‘(e) EXCLUSION FROM TAXABLE INCOME.—The 

18 amount of a borrower’s Federal Direct Forgiveness Loans 

19 forgiven under this section shall not be included in the 

20 gross income of the borrower for purposes of the Internal 

21 Revenue Code of 1986.’’. 

22 (b) NOTICE TO BORROWERS.—Section 128(e) of the 

23 Truth in Lending Act (15 U.S.C. 1638(e)) is amended by 

24 adding at the end the following new paragraph: 


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1 ‘‘(12) NOTICE REQUIRED ALONG WITH BILLING

2 STATEMENTS.—Along with each billing statement 

3 sent to the borrower during the six-month period be4 ginning on the day after the date of enactment of 

5 the Student Debt Cancellation Act of 2019, the pri6 vate educational lender shall include a statement in7 forming the borrower that— 

8 ‘‘(A) the borrower may be eligible for loan 

9 forgiveness of eligible private student loans 

10 under section 459C of the Higher Education 

11 Act of 1965; and 

12 ‘‘(B) to be eligible for such loan forgive13 ness, the borrower must apply to the Secretary 

14 of Education no later than the date that is 180 

15 days after the date of enactment of the Student 

16 Debt Cancellation Act of 2019.’’. 

17 SEC. 404. NOTICE TO THE PUBLIC. 

18 Not later than 15 days after the date of enactment 

19 of this title, the Secretary of Education, in consultation 

20 with institutions of higher education and lenders of Fed21 eral student loans and private education loans, shall take 

22 such actions as may be necessary to ensure that borrowers 

23 who have outstanding eligible Federal student loans or 

24 outstanding eligible private student loans (as defined in 

25 section 459C of the Higher Education Act of 1965, as 


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•S 1947 IS

1 added by this title) are aware of the loan forgiveness pro2 grams authorized by this title. Such information shall— 

3 (1) be presented in a form that is widely avail4 able to the public, especially to borrowers with out5 standing Federal and private student loans; 

6 (2) be easily understandable; and 

7 (3) clearly notify borrowers of eligible private 

8 student loans— 

9 (A) that borrowers must apply for loan 

10 forgiveness under this title, and must do so no 

11 later than the date that is 180 days after the 

12 date of enactment of this title; and 

13 (B) of the application process and require14 ments to apply for forgiveness of eligible private 

15 student loans in accordance with this title. 

16 TITLE V—SNYDER ACT 

17 SEC. 501. RULE OF CONSTRUCTION REGARDING THE SNY18 DER ACT. 

19 Nothing in this Act, or an amendment made by this 

20 Act, shall be construed to change or abrogate the Federal 

21 Government’s responsibilities under the Act of November 

22 2, 1921 (commonly known as the ‘‘Snyder Act’’) (25 

23 U.S.C. 13). 

Æ 


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