I 
117TH CONGRESS 
1ST SESSION 
H. R. 394 
To expand loan relief to all Federal student loan borrowers, and for other 
purposes. 
IN THE HOUSE OF REPRESENTATIVES 
JANUARY 21, 2021 
Mr. COURTNEY (for himself, Mrs. HAYES, Ms. WILD, Ms. WILLIAMS of Geor-
gia, Mr. COHEN, Mr. PERLMUTTER, Mr. HIMES, Mr. LARSON of Con-
necticut, Mr. SWALWELL, Mr. KILMER, Ms. DELBENE, Mr. WELCH, Ms. 
UNDERWOOD, and Mr. MICHAEL F. DOYLE of Pennsylvania) introduced 
the following bill; which was referred to the Committee on Education and 
Labor 
A BILL 
To expand loan relief to all Federal student loan borrowers, 
and for other purposes. 
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 ‘‘COVID–19 Student 
Loan Relief Extension Act’’. 
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SEC. 2. EXPANDING LOAN RELIEF TO ALL FEDERAL STU-
DENT LOAN BORROWERS. 
Section 3502(a) of division A of the Coronavirus Aid, 
Relief, and Economic Security Act (Public Law 116–136) 
is amended— 
(1) by redesignating paragraphs (2) through 
(5) as paragraphs (3) through (6), respectively; and 
(2) by inserting after paragraph (1) the fol-
lowing: 
‘‘(2) FEDERAL
STUDENT
LOAN.—The term 
‘Federal student loan’ means a loan— 
‘‘(A) made under part D, part B, or part 
E of title IV of the Higher Education Act of 
1965 (20 U.S.C. 1070 et seq.), and held by the 
Department of Education; 
‘‘(B) made, insured, or guaranteed under 
part B of such title, or made under part E of 
such title, and not held by the Department of 
Education; or 
‘‘(C) made under— 
‘‘(i) subpart II of part A of title VII 
of the Public Health Service Act (42 
U.S.C. 292q et seq.); or 
‘‘(ii) part E of title VIII of the Public 
Health Service Act (42 U.S.C. 297a et 
seq.).’’. 
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SEC. 3. EXTENDING THE LENGTH OF BORROWER RELIEF 
DUE TO THE CORONAVIRUS EMERGENCY. 
Section 3513 of division A of the Coronavirus Aid, 
Relief, and Economic Security Act (Public Law 116–136) 
is amended— 
(1) by amending subsection (a) to read as fol-
lows: 
‘‘(a) SUSPENSION OF PAYMENTS.— 
‘‘(1) IN GENERAL.—During the period begin-
ning on March 13, 2020, and ending 30 days after 
the termination date of the public health emergency 
declared by the Secretary of Health and Human 
Services on January 31, 2020, under section 319 of 
the Public Health Services Act (42 U.S.C. 247d) in 
response to COVID–19, the Secretary or, as applica-
ble, the Secretary of Health and Human Services, 
shall suspend all payments due on Federal student 
loans. 
‘‘(2) TRANSITION PERIOD.—For one additional 
30-day period beginning on the day after the last 
day of the suspension period described in subsection 
(a), the Secretary or, as applicable, the Secretary of 
Health and Human Services, shall ensure that any 
missed payments on a Federal student loan by a 
borrower during such additional 30-day period— 
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‘‘(A) do not result in collection fees or pen-
alties associated with late payments; and 
‘‘(B) are not reported to any consumer re-
porting agency or otherwise impact the bor-
rower’s credit history. 
‘‘(3) DETERMINATION
OF
COMPENSATION.— 
The Secretary or, as applicable, the Secretary of 
Health and Human Services shall— 
‘‘(A) with respect to a holder of a Federal 
student loan defined in subparagraph (B) or 
(C) of section 3502(a)(2)— 
‘‘(i) determine any losses for such 
holder due to the suspension of payments 
on such loan under paragraph (1); and 
‘‘(ii) establish reasonable compensa-
tion for such losses; and 
‘‘(B) not later than 60 days after the date 
of enactment of the COVID–19 Student Loan 
Relief Extension Act, with respect to a borrower 
who made a payment on a Federal student loan 
defined in subparagraph (B) or (C) of section 
3502(a)(2) during the period beginning on 
March 13, 2020, and ending on such date of 
enactment, the Secretary shall pay to the bor-
rower, an amount equal to the lower of— 
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‘‘(i) the amount paid by the borrower 
on such loan during such period; or 
‘‘(ii) the amount that was due on such 
loan during such period. 
‘‘(4) RECERTIFICATION.—A borrower who is re-
paying a Federal student loan pursuant to an in-
come-contingent repayment plan under section 
455(d)(1)(D) of the Higher Education Act of 1965 
(20 U.S.C. 1087e(d)(1)(D)) or an income-based re-
payment plan under section 493C of such Act (20 
U.S.C. 1098e) shall not be required to recertify the 
income or family size of the borrower under such 
plan prior to December 31, 2021.’’; 
(2) in subsection (c), by striking ‘‘part D or B 
of title IV of the Higher Education Act of 1965 (20 
U.S.C. 1087a et seq.; 1071 et seq.)’’ and inserting 
‘‘part B, D, or E of title IV of the Higher Education 
Act of 1965 (20 U.S.C. 1087a et seq.; 1071 et seq.; 
1087aa et seq.)’’; 
(3) in subsection (d), by striking ‘‘During the 
period in which the Secretary suspends payments on 
a loan under subsection (a), the Secretary’’ and in-
serting ‘‘During the period in which payments on a 
Federal student loan are suspended under subsection 
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(a), the Secretary or, as applicable, the Secretary of 
Health and Human Services’’; 
(4) in subsection (e), by striking ‘‘During the 
period in which the Secretary suspends payments on 
a loan under subsection (a), the Secretary’’ and in-
serting ‘‘During the period in which payments on a 
Federal student loan are suspended under subsection 
(a), the Secretary or, as applicable, the Secretary of 
Health and Human Services’’; and 
(5) in subsection (f), by striking ‘‘the Sec-
retary’’ and inserting ‘‘the Secretary or, as applica-
ble, the Secretary of Health and Human Services,’’. 
SEC. 4. NO INTEREST ACCRUAL. 
Section 3513(b) of division A of the Coronavirus Aid, 
Relief, and Economic Security Act (Public Law 116–136) 
is amended to read as follows: 
‘‘(b) PROVIDING INTEREST RELIEF.— 
‘‘(1) NO ACCRUAL OF INTEREST.— 
‘‘(A) IN GENERAL.—During the period de-
scribed in subparagraph (D), interest on a Fed-
eral student loan shall not accrue or shall be 
paid by the Secretary (or the Secretary of 
Health and Human Services) during— 
‘‘(i) the repayment period of such 
loan; 
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had not been paid prior to March 13, 2020, and 
had not been capitalized as of such date, shall 
not be capitalized. 
‘‘(B) TRANSITION.—The Secretary or, as 
applicable, the Secretary of Health and Human 
Services, shall ensure that any interest on a 
Federal student loan that is capitalized in viola-
tion of subparagraph (A) is corrected and the 
balance of principal and interest due for the 
Federal student loan is adjusted accordingly.’’. 
SEC. 5. NOTICE TO BORROWERS. 
Section 3513(g) of division A of the Coronavirus Aid, 
Relief, and Economic Security Act (Public Law 116–136) 
is amended— 
(1) in the matter preceding paragraph (1), by 
striking ‘‘the Secretary’’ and inserting ‘‘the Sec-
retary or, as applicable, the Secretary of Health and 
Human Services,’’; 
(2) in paragraph (1)(D), by striking the period 
and inserting a semicolon; 
(3) in paragraph (2)— 
(A) in the matter preceding subparagraph 
(A), by striking ‘‘August 1, 2020’’ and insert-
ing ‘‘August 1, 2021’’; 
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