(3) to institute a 6 percent interest rate cap on 
student loans of a member of the Armed Forces 
while such member is deployed on active duty; and 
(4) to require providers of programs of edu-
cation to provide reasonable accommodations to their 
students who are members of the Armed Forces and 
who discontinue a program of education because of 
a deployment. 
SEC. 3. RELIEF FOR STUDENTS WHO ARE MEMBERS OF 
ARMED FORCES DURING PERIOD OF MILI-
TARY SERVICE. 
(a) IN GENERAL.—Title VII of the Servicemembers 
Civil Relief Act (50 U.S.C. App. 591 et seq.) is amended 
by adding at the end the following new section: 
‘‘SEC. 707. TUITION, REENROLLMENT, AND STUDENT LOAN 
RELIEF 
FOR 
POSTSECONDARY 
STUDENTS 
CALLED TO MILITARY SERVICE. 
‘‘(a) TUITION AND REENROLLMENT.—Whenever a 
servicemember is called, activated, or ordered to military 
service and withdraws or takes a leave of absence from 
the institution of higher education in which the 
servicemember is enrolled, the institution shall— 
‘‘(1) refund to such servicemember the tuition 
and fees paid by such servicemember (other than 
from the proceeds of a grant or scholarship) for the 
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portion of the program of education for which such 
servicemember did not receive academic credit after 
such withdrawal or leave; and 
‘‘(2) provide such servicemember an oppor-
tunity to reenroll with the same educational and aca-
demic status in such program of education that the 
servicemember had when activated for military serv-
ice. 
‘‘(b) DEFERMENT
OF REPAYMENT
OF LOANS.— 
Whenever a servicemember is called, activated, or ordered 
to military service and withdraws or takes a leave of ab-
sence from the institution of higher education in which 
the servicemember is enrolled, the following rules shall 
apply to a provider of students loans who has provided 
a student loan to such a servicemember that is not in re-
payment status on the date the period of military service 
begins: 
‘‘(1) If the servicemember reenrolls in the pro-
gram of education (or a comparable program) within 
13 months following the period of military service, 
the provider shall disregard the entire period the 
program of education was discontinued in deter-
mining the date on which repayment of the student 
loan is to begin. 
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‘‘(2) If the servicemember does not so reenroll, 
the provider shall not require repayment of the stu-
dent loan to begin before the later of the last day 
of such 13-month period or the date the repayment 
was to begin without regard to this subsection. 
‘‘(c) DEFINITIONS.—In this section: 
‘‘(1) The term ‘Federal financial aid program’ 
means a program providing loans made, insured, or 
guaranteed under part B, D, or E of title IV of the 
Higher Education Act of 1965 (20 U.S.C. 1077 et 
seq., 1087a et seq., 1087aa et seq.). 
‘‘(2) The term ‘institution of higher education’ 
means a 2-year or 4-year institution of higher edu-
cation as defined in section 102 of the Higher Edu-
cation Act of 1965 (20 U.S.C. 1002). 
‘‘(3) The term ‘student loan’ means any loan, 
whether Federal, State, or private, to assist an indi-
vidual to attend an institution of higher education, 
including a loan made, insured, or guaranteed under 
part B, D, or E of title IV of the Higher Education 
Act of 1965 (20 U.S.C. 1077 et seq., 1087a et seq., 
1087aa et seq.).’’. 
(b) EXEMPTION OF STUDENT DEBTS FROM CRED-
ITOR PROTECTION BASED ON INCOME LEVEL.—Section 
207(c) of the Servicemember’s Civil Relief Act (50 U.S.C. 
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App. 527(c)) is amended by adding at the end the fol-
lowing new sentence: ‘‘This subsection shall not apply with 
respect to an obligation or liability that is incurred by a 
servicemember who, at the time the servicemember is 
called to military service, is a student enrolled within six 
months of activation at an institution of higher education 
on a full-time basis, as determined by that institution.’’ 
(c) CLERICAL AMENDMENT.—The table of contents 
in section (1)(b) of such Act is amended by adding at the 
end the following new item: 
‘‘Sec. 707. Tuition, reenrollment, and student loan relief for postsecondary stu-
dents called to military service.’’. 
(d) EFFECTIVE DATE.—The amendments made by 
this section shall take effect for periods of military service 
beginning after the date of the enactment of this section. 
Æ 
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