I 
114TH CONGRESS 
1ST SESSION H. R. 1352 
To establish student loan borrowers’ rights to basic consumer protections, 
reasonable and flexible repayment options, access to earned credentials, 
and effective loan cancellation in exchange for public service, and for 
other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
MARCH 10, 2015 
Ms. WILSON of Florida introduced the following bill; which was referred to 
the Committee on Education and the Workforce, and in addition to the 
Committees on Ways and Means, the Judiciary, and Oversight and Gov-
ernment Reform, for a period to be subsequently determined by the 
Speaker, in each case for consideration of such provisions as fall within 
the jurisdiction of the committee concerned 
A BILL 
To establish student loan borrowers’ rights to basic consumer 
protections, reasonable and flexible repayment options, 
access to earned credentials, and effective loan cancella-
tion in exchange for public service, and for other pur-
poses. 
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 ‘‘Student Loan Bor-
rowers’ Bill of Rights Act of 2015’’. 
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TITLE I—BORROWERS’ RIGHT TO 
BASIC 
CONSUMER 
PROTEC-
TIONS 
SEC. 101. DISCHARGEABILITY OF STUDENT LOANS IN 
BANKRUPTCY CASES. 
Section 523(a) of title 11 of the United States Code 
is amended— 
(1) by striking paragraph (8); and 
(2) by redesignating paragraphs (9) through 
(19) as paragraphs (8) through (18). 
SEC. 102. REINSTATEMENT OF THE 6-YEAR STATUTE OF 
LIMITATIONS FOR STUDENT LOANS. 
Subsection (a) of section 484A of the Higher Edu-
cation Act of 1965 (20 U.S.C. 1091a(a)) is amended to 
read as follows: 
‘‘(a) STATUTE OF LIMITATIONS.—Notwithstanding 
any Federal or State statutory, regulatory, or administra-
tive limitation on the period within which debts may be 
enforced— 
‘‘(1) an institution that receives funds under 
this title may file a suit or initiate or take another 
action for collection of a refund due from a student 
on a grant made, or work assistance awarded, under 
this title, during the 6-year period beginning on the 
day after the refund first became due (exclusive of 
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period during which the State statute of limitations 
otherwise applicable to a suit under this paragraph 
would be tolled under State law); 
‘‘(2) a guaranty agency that has an agreement 
with the Secretary under section 428(c) may file a 
suit or initiate or take another action for collection 
of the amount due from a borrower on a loan made 
under part B during the 6-year period beginning on 
the day after such guaranty agency reimburses the 
previous holder of the loan for its loss on account of 
the default of the borrower (exclusive of period dur-
ing which the State statute of limitations otherwise 
applicable to a suit under this paragraph would be 
tolled under State law); 
‘‘(3) an institution that has an agreement with 
the Secretary pursuant to section 487 may file a suit 
or initiate or take another action for collection of the 
amount due from a borrower on a loan made under 
part D or E after the default of the borrower on 
such loan during the 6-year period beginning on the 
day after the date of the default of the borrower 
with respect to such amount (exclusive of period 
during which the State statute of limitations other-
wise applicable to a suit under this paragraph would 
be tolled under State law); or 
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‘‘(4) the Secretary, the Attorney General, or the 
administrative head of another Federal agency, as 
the case may be, may file a suit or initiate or take 
another action for collection of a refund due from a 
student on a grant made under this title, or for the 
repayment of the amount due from a borrower on a 
loan made under this title that has been assigned to 
the Secretary under this title, during the 6-year pe-
riod beginning on the day after the refund or the 
amount first became due.’’. 
SEC. 103. PROHIBITION OF COLLECTION OF STUDENT 
LOANS 
THROUGH 
CERTAIN 
OFFSETS 
OR 
THROUGH WAGE GARNISHMENT. 
(a) PROHIBITION ON OFFSET OF SOCIAL SECURITY 
BENEFITS.—Section 3716(c)(3)(A) of title 31, United 
States Code, is amended— 
(1) in clause (i), by striking ‘‘except as provided 
in clause (ii)’’ and inserting ‘‘except as provided in 
clauses (ii) and (iii)’’; and 
(2) by adding at the end the following new 
clause: 
‘‘(iii) Notwithstanding clause (i), any payments due 
to an individual under Federal benefits programs cited 
under clause (i) shall not be subject to offset under this 
subsection if the offset is for payments certified by the 
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Department of Education under a program administered 
by the Secretary of Education under title IV of the Higher 
Education Act of 1965 (20 U.S.C. 1070 et seq.).’’. 
(b) PROHIBITION ON OFFSET OF TAX REFUND.— 
Section 3720A(a) of title 31, United States Code, is 
amended— 
(1) by striking ‘‘Any Federal agency’’ and in-
serting ‘‘(1) Except as provided in paragraph (2), 
any Federal agency’’; and 
(2) by adding at the end the following new 
paragraph: 
‘‘(2) Any past-due legally enforceable debt owed by 
an individual to the Department of Education under a 
program administered by the Secretary of Education 
under title IV of the Higher Education Act of 1965 (20 
U.S.C. 1070 et seq.) shall not be subject to notification 
under paragraph (1), and any refund of Federal taxes 
paid by the individual shall not be subject to reduction 
under subsection (c) for such debt.’’. 
(c) PROHIBITION ON WAGE GARNISHMENT.—Section 
3720D(a) of title 31, United States Code, is amended— 
(1) by striking ‘‘Notwithstanding’’ and insert-
ing: ‘‘(1) Except as provided in paragraph (2) and 
notwithstanding’’; and 
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