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 Com-
mittee 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 provi-
sions 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. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Frontline Health Care 
Worker Student Loan Assistance Act of 2020’’. 
SEC. 2. LOAN FORGIVENESS FOR FRONTLINE HEALTH 
CARE WORKERS. 
(a) PROGRAM AUTHORIZED.— 
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(1) LOAN FORGIVENESS AUTHORIZED.—Begin-
ning on the date that is 90 days after the date of 
enactment of this Act, the Secretaries concerned 
shall, subject to paragraph (3), forgive, in accord-
ance with this section, the qualified loan amount de-
scribed in subsection (b) of the student loan obliga-
tion of a borrower who is a frontline health care 
worker (or whose child is a frontline health care 
worker, in the case of a borrower of a loan described 
in section 9(4)(B)). 
(2) METHODS OF LOAN FORGIVENESS.— 
(A) IN
GENERAL.—To provide loan for-
giveness under paragraph (1) to each borrower 
who is a frontline health care worker, the Secre-
taries concerned shall carry out a program— 
(i) through the holder of the loan, to 
assume the obligation to repay, by direct 
payments on behalf of a borrower to the 
holder of such loan, a qualified loan 
amount for an eligible Federal student 
loan made, insured, or guaranteed under 
part B of title IV of the Higher Education 
Act of 1965 (20 U.S.C. 1071 et seq.); 
(ii) to cancel a qualified loan amount 
for an eligible Federal student loan made 
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under part D or part E of such title (20 
U.S.C. 1087a et seq.; 1087aa et seq.); and 
(iii) to assume the obligation to repay, 
by direct payments on behalf of a borrower 
to the private educational lender of such 
loan, a qualified loan amount of an eligible 
private student loan in order to discharge 
the borrower of such loan from any re-
maining obligation to the private edu-
cational lender with respect to such quali-
fied loan amount. 
(B) FORGIVENESS THROUGH REIMBURSE-
MENT.—Notwithstanding subparagraph (A), for 
each borrower who is a frontline health care 
worker and who has made one or more monthly 
payments toward the— 
(i) outstanding eligible Federal stu-
dent loan balance of the borrower during 
the covered period, the Secretary of Edu-
cation 
shall 
reimburse 
the 
borrower, 
through direct payment to the borrower, in 
an amount equal to the total amount of 
such monthly payments made by the bor-
rower on or after January 31, 2020, and 
before the first date on which any portion 
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of a borrower’s loans are forgiven in ac-
cordance with subparagraph (A); and 
(ii) outstanding eligible private stu-
dent loan balance of the borrower during 
the covered period, the Secretary of the 
Treasury shall reimburse the borrower, 
through direct payment to the borrower, in 
an amount equal to the total amount of 
such monthly payments made by the bor-
rower on or after January 31, 2020, and 
before the first date on which any portion 
of a borrower’s loans are forgiven in ac-
cordance with subparagraph (A). 
(3) AUTHORITY
OF
THE
SECRETARIES
CON-
CERNED.—The Secretary of Education shall have 
the authority to carry out the loan forgiveness pro-
gram authorized under this section only with respect 
to eligible Federal student loans, and the Secretary 
of the Treasury shall have the authority to carry out 
such loan forgiveness program only with respect to 
eligible private student loans. 
(b) QUALIFIED LOAN AMOUNT.— 
(1) TOTAL
AMOUNT.—The Secretaries con-
cerned shall forgive for each borrower who is a 
frontline health care worker an amount equal to the 
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sum of the monthly loan payments that are due, sus-
pended, or paid on each eligible Federal student loan 
and each eligible private student loan of the bor-
rower during the covered period. Each monthly loan 
payment that is included in the qualified loan 
amount of such a borrower shall be paid, pursuant 
to paragraph (2), in accordance with either subpara-
graph (A) or subparagraph (B) of subsection (a)(2), 
but not both. 
(2) METHODS OF FORGIVENESS OF QUALIFIED 
LOAN AMOUNT.—The Secretaries concerned shall de-
termine the method of forgiveness for each monthly 
loan payment included in a qualified loan amount as 
follows: 
(A) The Secretaries concerned shall pro-
vide forgiveness in accordance with subpara-
graph (A) of subsection (a)(2) for— 
(i) each monthly loan payment during 
the covered period that is due on or after 
the date that is 90 days after the date of 
enactment of this Act; 
(ii) each monthly loan payment during 
the covered period that is due before the 
date that is 90 days after the date of en-
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actment of this Act and has not been paid 
before such date; and 
(iii) the total amount of the monthly 
loan payments that are suspended as a re-
sult of a qualifying emergency pursuant to 
section 3513 of the CARES Act (20 
U.S.C. 1001 note) or at the direction of 
the Secretary of Education, determined by 
calculating the sum of the amounts of each 
monthly loan payment that would have 
been due during the covered period if 
monthly loan payments were not sus-
pended. 
(B) The Secretaries concerned shall pro-
vide forgiveness in accordance with subpara-
graph (B) of subsection (a)(2) for the total 
amount of monthly loan payments during the 
period beginning on January 31, 2020, and 
ending on the date that is 90 days after the 
date of enactment of this Act, that have been 
paid by the borrower on or before the termi-
nation of such period. 
(c) 
CONSIDERATION
OF
PAYMENTS.—Notwith-
standing any other provision of the Higher Education Act 
of 1965 (20 U.S.C. 1001 et seq.), the Secretary of Edu-
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cation shall deem each month for which a loan payment 
was forgiven under this section as if the borrower of the 
loan had made a payment for the purpose of any loan for-
giveness program or loan rehabilitation program author-
ized under part B or D of title IV of the Higher Education 
Act of 1965 (20 U.S.C. 1071 et seq.; 1087a et seq.) for 
which the borrower would have otherwise qualified. 
(d) EXCLUSION
FROM
TAXABLE
INCOME.—The 
qualified loan amount of a borrower that is forgiven under 
this section, including through reimbursement pursuant to 
subsection (a)(2)(B), shall not be included in the gross 
income of the borrower for purposes of the Internal Rev-
enue Code of 1986. 
SEC. 3. COORDINATED PROGRAM REQUIREMENTS. 
The Secretaries concerned shall jointly develop the 
program required under section 2, and shall coordinate 
and consult with one another in carrying out such pro-
gram to ensure that— 
(1) borrowers with outstanding eligible Federal 
student loans and borrowers with outstanding eligi-
ble private student loans are notified of the avail-
ability of student loan forgiveness under this Act; 
(2) frontline health care workers who are bor-
rowers of both eligible Federal student loans and eli-
gible private student loans may apply for loan for-
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giveness of both Federal and private student loans 
under section 2 with submission of only one applica-
tion; 
(3) determinations of eligibility are uniform and 
consistent, regardless of whether the frontline health 
care worker is a borrower of eligible Federal student 
loans, eligible private student loans, or both; and 
(4) such program is made available to any 
frontline health care worker (including a worker who 
does not meet the definition of frontline health care 
worker solely because such worker did not complete 
at least 3 months of full-time service (or the equiva-
lent) prior to death) who was a borrower of eligible 
Federal student loans, eligible private student loans, 
or both, and who died as a result of the coronavirus, 
to relieve the family and estate of such deceased 
worker of the burden of the student loan obligation 
of the such deceased worker. 
SEC. 4. NOTICE OF AVAILABILITY OF LOAN FORGIVENESS. 
(a) NOTICE TO THE PUBLIC.—Not later than 15 days 
after the date of enactment of this Act, the Secretaries 
concerned, in consultation with institutions of higher edu-
cation and lenders and holders of Federal student loans 
and private education loans, shall take such actions as 
may be necessary to ensure that borrowers who have out-
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standing eligible Federal student loans, outstanding eligi-
ble private student loans, or both, are aware of the student 
loan forgiveness program authorized by this Act. Such in-
formation shall— 
(1) be presented in a form that is widely avail-
able to the public, especially to borrowers with eligi-
ble Federal student loans, eligible private student 
loans, or both, and to frontline health care workers; 
(2) be easily understandable; and 
(3) clearly notify borrowers that to be consid-
ered for loan forgiveness under this Act, borrowers 
must submit an application to the Secretaries con-
cerned, and must do so during the application period 
described in section 5. 
(b) NOTICE IN FEDERAL LOANS STATEMENTS.— 
With each billing statement sent to a borrower during the 
two-year period beginning on the 15th day after the date 
of enactment of this Act, the Secretary of Education shall 
include, and shall require each holder of eligible Federal 
student loans to include, a notice informing the borrower 
of the availability of the student loan forgiveness program 
for frontline health care workers under this Act, including 
where to find information about how to qualify as a front-
line health care worker, how to apply to such program, 
the types of Federal and private loans that are eligible 
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for forgiveness, and the application deadline for such pro-
gram. 
(c) NOTICE IN PRIVATE LOANS STATEMENTS.—Sec-
tion 128(e) of the Truth in Lending Act (15 U.S.C. 
1638(e)) is amended by adding at the end the following 
new paragraph: 
‘‘(12) NOTICE REQUIRED ALONG WITH BILLING 
STATEMENTS.—With each billing statement sent to 
the borrower during the two-year period beginning 
on the 15th day after the date of enactment of the 
Frontline Health Care Worker Student Loan Assist-
ance Act of 2020, the private educational lender 
shall include a notice informing the borrower of the 
availability of the student loan forgiveness program 
for frontline health care workers under the Frontline 
Health Care Worker Student Loan Assistance Act of 
2020, including where to find information about how 
to qualify as a frontline health care worker, how to 
apply to such program, the types of Federal and pri-
vate loans that are eligible for forgiveness, and the 
application deadline for such program.’’. 
SEC. 5. APPLICATION AND DETERMINATION OF ELIGI-
BILITY. 
(a) APPLICATION PERIOD.—An individual may apply 
for loan forgiveness under section 2 by submitting an ap-
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plication to the Secretaries concerned during the period 
that begins on the date that is 60 days after the date of 
enactment of this Act and that ends on the date that is 
2 years after the end of the covered period. 
(b) DETERMINATION OF ELIGIBILITY.— 
(1) DEVELOPMENT
OF
APPLICATION.—Not 
later than 45 days after the date of enactment of 
this Act, the Secretaries concerned shall jointly, in 
consultation with the Secretary of Health and 
Human Services and the Intergovernmental Working 
Group (in accordance with section 6), develop one 
application for borrowers of both eligible Federal 
student loans and eligible private student loans to 
apply for loan forgiveness under this Act. 
(2) APPLICATION REQUIREMENTS.—The appli-
cation required under paragraph (1) may only in-
clude such information as is necessary for the Secre-
taries concerned to— 
(A) make a determination of whether the 
applicant— 
(i) is a frontline health care worker; 
and 
(ii) is a borrower of an eligible Fed-
eral student loan, an eligible private stu-
dent loan, or both; and 
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(B) determine the qualified loan amount of 
the applicant, if the application is approved, in-
cluding the amount described in section 
2(b)(2)(B). 
(3) DETERMINATION.—Not later than 30 days 
after the date on which the Secretaries concerned re-
ceive an application from an individual in accordance 
with this Act, the Secretaries concerned shall— 
(A) confirm that such individual is a front-
line health care worker who is a borrower of an 
eligible Federal student loan, an eligible private 
student loan, or both, then notify the individual 
of such confirmation, and grant the individual 
loan forgiveness in accordance with section 2; 
or 
(B) determine that such individual is not a 
frontline health care worker who is a borrower 
of an eligible Federal student loan, an eligible 
private student loan, or both, then deny such 
application, and provide a notification to the in-
dividual that includes— 
(i) that the application was denied; 
(ii) the reason for such denial; and 
(iii) if the application was denied be-
cause the Secretaries concerned determined 
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that the applicant was not a frontline 
health care worker, an explanation that the 
individual may appeal the denial to the 
Intergovernmental Working Group within 
30 days of the date of such denial, and in-
formation on how the applicant may sub-
mit such an appeal. 
(4) 
TREATMENT
AFTER
SUCCESSFUL
AP-
PEAL.—In the case that an individual appeals the 
denial of an application to the Intergovernmental 
Working Group in accordance with section 6, and 
the individual is determined by the Intergovern-
mental Working Group to be a frontline health care 
worker, the Secretaries concerned shall grant the in-
dividual loan forgiveness in accordance with section 
2 not later than 30 days after the Secretaries con-
cerned are notified of the outcome of the appeal by 
the Intergovernmental Working Group. 
SEC. 6. INTERGOVERNMENTAL WORKING GROUP. 
(a) ESTABLISHMENT.—Not later than 30 days after 
the date of the enactment of this Act, the Secretaries con-
cerned and the Secretary of Health and Human Services 
shall jointly establish an Intergovernmental Working 
Group to assist, in accordance with this section, with the 
administration of the program required under this Act. 
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determine whether an individual has made signifi-
cant contributions to the medical response to the 
qualifying emergency for purposes of determining 
whether the individual is a frontline health care 
worker as defined in section 9(6)(B); 
(2) not later than 10 days after the date on 
which the Council is established, report the informa-
tion described in paragraph (1) to the Secretaries 
concerned for inclusion in the application developed 
in accordance with section 5(b)(1); 
(3) not later than 60 days after the date on 
which the Council is established, develop a process 
by which— 
(A) an applicant who is denied loan for-
giveness under this Act by the Secretaries con-
cerned because of a determination that the ap-
plicant is not a frontline health care worker 
may, within 30 days of the date of such denial, 
submit an appeal of such denial to the Intergov-
ernmental Working Group; and 
(B) the Intergovernmental Working Group 
will review the appeal and make a determina-
tion with respect to whether the applicant is a 
frontline health care worker; and 
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(4) upon the request for an appeal by an appli-
cant described in paragraph (3), using the appeals 
process developed under such paragraph, determine 
within 30 days after submission of the appeal by the 
applicant, whether the applicant is a frontline health 
care worker, and notify the Secretaries concerned 
and the applicant of the outcome of such appeal 
within 15 days of such determination. 
SEC. 7. REGULATIONS; WAIVERS. 
(a) REGULATIONS.—The Secretaries concerned are 
authorized to issue such regulations as may be necessary 
to carry out this Act. 
(b) WAIVERS.—In carrying out this Act, the Secre-
taries concerned may waive the application of— 
(1) subchapter I of chapter 35 of title 44, 
United States Code (commonly known as the ‘‘Pa-
perwork Reduction Act’’); 
(2) the master calendar requirements under 
section 482 of the Higher Education Act of 1965 
(20 U.S.C. 1089); 
(3) negotiated rulemaking under section 492 of 
the Higher Education Act of 1965 (20 U.S.C. 
1098a); and 
(4) the requirement to publish the notices re-
lated to the system of records of the agency before 
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implementation required under paragraphs (4) and 
(11) of section 552a(e) of title 5, United States 
Code (commonly known as the ‘‘Privacy Act of 
1974’’), except that the notices shall be published 
not later than 180 days after the date of enactment 
of this Act. 
SEC. 8. TERMINATION OF AUTHORITY. 
The authority of the Secretaries concerned to carry 
out the loan forgiveness program under section 2, and the 
authority of the Intergovernmental Working Group to 
carry out the activities authorized under section 6, shall 
cease on the date that is 180 days after the end date of 
the application period described in section 5(a). 
SEC. 9. DEFINITIONS. 
In this Act: 
(1) CORONAVIRUS.—The term ‘‘coronavirus’’ 
has the meaning given the term in section 506 of the 
Coronavirus Preparedness and Response Supple-
mental Appropriations Act, 2020 (Public Law 116– 
123). 
(2) COVERED PERIOD.—The term ‘‘covered pe-
riod’’ means the period that begins on January 31, 
2020, and ends on the date that is 60 days after the 
date of the expiration of the public health emergency 
with respect to COVID–19 declared by the Secretary 
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of Health and Human Services under section 319 of 
the Public Health Service Act (42 U.S.C. 247d) on 
January 31, 2020. 
(3) COVID-RELATED
HEALTH
CARE
SERV-
ICES.—The term ‘‘COVID-related health care serv-
ices’’ means any health care services that relate to— 
(A) the diagnosis, prevention, or treatment 
of the coronavirus, including through telehealth 
services; 
(B) the assessment or care of the health of 
a human being related to an actual or sus-
pected case of the coronavirus, including 
through telehealth services; or 
(C) patient care in a setting where there is 
a reasonable expectation of risk of exposure to 
the coronavirus. 
(4) ELIGIBLE FEDERAL STUDENT LOAN.—The 
term ‘‘eligible Federal student loan’’ means any loan 
made, insured, or guaranteed under part B, part D, 
or part E of title IV of the Higher Education Act 
of 1965 before the date of enactment of this Act, in-
cluding— 
(A) a consolidation loan under such title; 
and 
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(B) a loan made to the parent of a depend-
ent student under section 428B of such Act (20 
U.S.C. 1078–2), and a Federal Direct PLUS 
Loan made to the parents of a dependent stu-
dent, only if the dependent student on whose 
behalf such loan was made is a frontline health 
care worker. 
(5) ELIGIBLE PRIVATE STUDENT LOAN.—The 
term ‘‘eligible private student loan’’ means a private 
education loan, as defined in section 140(a) of the 
Truth in Lending Act (15 U.S.C. 1650(a)), that was 
expressly for the cost of attendance (as defined in 
section 472) at an institution of higher education 
participating in a loan program under part B, part 
D, or part E of title IV of the Higher Education Act 
of 1965 (20 U.S.C. 1070 et seq.), as of the date 
that the loan was disbursed, and that was made be-
fore the date of enactment of this Act. 
(6) FRONTLINE HEALTH CARE WORKER.—The 
term ‘‘frontline health care worker’’ means an indi-
vidual who, during the qualifying emergency, for a 
period of not less than 3 months of full-time service 
(or the part-time equivalent), in exchange for pay-
ment or as a volunteer— 
(A) is— 
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(i) a doctor, medical resident, medical 
intern, medical fellow, nurse, home health 
care worker, mental health professional, or 
other health care professional who is li-
censed, registered, or certified under Fed-
eral or State law to provide health care 
services and who provides COVID-related 
health care services; 
(ii) a student enrolled at an institu-
tion of higher education in a medical, nurs-
ing, or other relevant health care program 
of study who provides COVID-related 
health care services; 
(iii) a laboratory worker who con-
ducts, evaluates, or analyzes coronavirus 
testing; 
(iv) a medical researcher who con-
ducts research related to the prevention, 
treatment, or cure of the coronavirus; or 
(v) an emergency medical services 
worker who responds to health emergencies 
or transports patients to hospitals or other 
medical facilities; or 
(B) does not meet the requirements of any 
of the clauses under subparagraph (A), but is 
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a health care professional who is licensed, reg-
istered, or certified under Federal or State law 
to provide health care and has made significant 
contributions to the medical response to the 
qualifying emergency. 
(7) INSTITUTION OF HIGHER EDUCATION.—The 
term ‘‘institution of higher education’’ has the 
meaning given such term in section 102 of the High-
er Education Act of 1965 (20 U.S.C. 1002). 
(8) PRIVATE
EDUCATIONAL
LENDER.—The 
term ‘‘private educational lender’’ has the meaning 
given the term in section 140(a) of the Truth in 
Lending Act (15 U.S.C. 1650(a)). 
(9) 
QUALIFYING
EMERGENCY.—The 
term 
‘‘qualifying emergency’’ means— 
(A) the public health emergency with re-
spect to COVID–19 declared by the Secretary 
of Health and Human Services under section 
319 of the Public Health Service Act (42 
U.S.C. 247d) on January 31, 2020; 
(B) an event related to the coronavirus for 
which— 
(i) the President declared a major dis-
aster or an emergency under section 401 
or 501, respectively, of the Robert T. Staf-
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ford Disaster Relief and Emergency Assist-
ance Act (42 U.S.C. 5170 and 5191); or 
(ii) the governor of a State or terri-
tory of the United States declared an 
emergency; or 
(C) a national emergency related to the 
coronavirus declared by the President under 
section 201 of the National Emergencies Act 
(50 U.S.C. 1601 et seq.). 
(10) SECRETARIES
CONCERNED.—The term 
‘‘Secretaries concerned’’ means— 
(A) the Secretary of Education, with re-
spect to eligible Federal student loans and bor-
rowers of such loans; and 
(B) the Secretary of the Treasury, with re-
spect to eligible private student loans and bor-
rowers of such loans. 
Æ 
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