(c) REPAYMENT REFUNDS PROHIBITED.—Nothing 
in this section shall be construed to authorize any refund-
ing of any eligible Federal student loan repayment made 
before the date a borrower’s loans are forgiven in accord-
ance with this section. 
(d) EXCLUSION
FROM
TAXABLE
INCOME.—The 
amount of a borrower’s eligible Federal student loans for-
given under this section shall not be included in the gross 
income of the borrower for purposes of the Internal Rev-
enue Code of 1986. 
(e) NOTICE TO BORROWERS IN 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 Federal student loan forgiveness 
and private student loan repayment programs for frontline 
health care workers under this Act, including where to 
find information about how to qualify as a frontline health 
care worker, how to apply to such programs, and the ap-
plication deadline for such programs. 
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SEC. 3. PRIVATE STUDENT LOAN REPAYMENT FOR FRONT-
LINE HEALTH CARE WORKERS. 
(a) REPAYMENT REQUIRED.—Notwithstanding any 
other provision of law, the Secretary of the Treasury shall 
carry out a program in accordance with this Act under 
which the Secretary shall repay in full the outstanding bal-
ance of principal and interest due on the applicable eligible 
private student loans of borrowers who are frontline health 
care workers. 
(b) METHOD OF LOAN REPAYMENT.—In carrying 
out the program required under subsection (a), as soon 
as practicable after the Secretary of the Treasury has con-
firmed that an applicant is a frontline health care worker 
who is a borrower of an eligible private student loan, the 
Secretary of the Treasury shall pay to the private edu-
cational lender of each of the applicable eligible private 
student loans of the borrower an amount equal to the sum 
of the unpaid principal, accrued unpaid interest, and late 
charges of such applicable eligible private student loans, 
as calculated on the date of the repayment of such loans 
by the Secretary of the Treasury, in order to discharge 
the borrower from any remaining obligation to the private 
educational lender with respect to such applicable eligible 
private student loans. 
(c) REPAYMENT REFUNDS PROHIBITED.—Nothing 
in this section shall be construed to authorize any refund-
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ing of any repayment of a loan made before the date a 
borrower’s loans are paid by the Secretary of the Treasury 
in accordance with this section. 
(d) EXCLUSION
FROM
TAXABLE
INCOME.—The 
amount of a borrower’s eligible private student loans paid 
by the Secretary of the Treasury under this section shall 
not be included in the gross income of the borrower for 
purposes of the Internal Revenue Code of 1986. 
(e) NOTICE TO BORROWERS IN 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 
Student Loan Forgiveness for Frontline Health 
Workers Act, the private educational lender shall in-
clude a notice informing the borrower of the avail-
ability of the Federal student loan forgiveness and 
private student loan repayment programs for front-
line health care workers under the Student Loan 
Forgiveness for Frontline Health Workers Act, in-
cluding where to find information about how to qual-
ify as a frontline health care worker, how to apply 
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to such programs, and the application deadline for 
such programs.’’. 
SEC. 4. COORDINATED PROGRAM REQUIREMENTS. 
The Secretaries concerned shall jointly develop the 
programs required under section 2 and section 3 of this 
Act, and shall coordinate and consult with one another in 
carrying out such programs to ensure that— 
(1) determinations of eligibility are uniform and 
consistent across both programs; 
(2) frontline health care workers who are bor-
rowers of both eligible Federal student loans and eli-
gible private student loans may apply for both loan 
forgiveness under section 2 and loan repayment 
under section 3 with submission of only one applica-
tion; 
(3) borrowers with outstanding eligible Federal 
student loans and borrowers with outstanding eligi-
ble private student loans are notified of the avail-
ability of both programs required under this Act; 
and 
(4) such programs are made available to front-
line health care workers who were borrowers of eligi-
ble Federal student loans, eligible private student 
loans, or both, and who died as a result of the 
coronavirus, to relieve the families and estates of 
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such deceased frontline health care workers of the 
burden of the student loans of the such workers. 
SEC. 5. 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 education and lenders and holders 
of Federal student loans and private education loans, shall 
take such actions as may be necessary to ensure that bor-
rowers who have outstanding eligible Federal student 
loans, outstanding eligible private student loans, or both, 
are aware of the loan forgiveness and loan repayment pro-
grams authorized by this Act. Such information 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; 
(2) be easily understandable; and 
(3) clearly notify borrowers that to be consid-
ered for loan forgiveness or loan repayment (or 
both) under this Act, borrowers must submit an ap-
plication to the Secretaries concerned, and must do 
so during the application period described in section 
6. 
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SEC. 6. APPLICATION AND DETERMINATION OF ELIGI-
BILITY. 
(a) APPLICATION PERIOD.—An individual may apply 
for loan forgiveness under section 2, loan repayment under 
section 3, or both, by submitting an application to the Sec-
retaries 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 qualifying period. 
(b) DETERMINATION OF ELIGIBILITY.— 
(1) DEVELOPMENT
OF
APPLICATION.—Not 
later than 60 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 7), develop one 
application for borrowers of both eligible Federal 
student loans and eligible private student loans to 
apply for loan forgiveness or loan repayment, or 
both, 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 make a determination of whether 
the applicant— 
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(A) is a frontline health care worker, with-
out consideration of the period of time the ap-
plicant served as such a worker; and 
(B) is a borrower of an applicable eligible 
Federal student loan, an applicable eligible pri-
vate student loan, or both. 
(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 
applicable eligible Federal student loan, an ap-
plicable eligible private student loan, or both, 
then notify the individual of such confirmation, 
and grant the individual loan forgiveness or 
loan repayment, or both, in accordance with 
sections 2 and 3 of this Act; or 
(B) determine that such individual is not a 
frontline health care worker who is a borrower 
of an applicable eligible Federal student loan, 
an eligible private student loan, or both, then 
deny such application, and provide a notifica-
tion to the individual that includes— 
(i) that the application was denied; 
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(ii) the reason for such denial; and 
(iii) if the application was denied be-
cause the Secretaries concerned determined 
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 7, 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 or loan repayment, or both, 
in accordance with sections 2 and 3 of this Act not 
later than 30 days after the Secretaries concerned 
are notified of the outcome of the appeal by the 
Intergovernmental Working Group. 
SEC. 7. INTERGOVERNMENTAL WORKING GROUP. 
(a) ESTABLISHMENT.—Not later than 30 days after 
the date of the enactment of this Act, the Secretaries con-
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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 programs required under this Act. 
(b) MEMBERSHIP.—The Intergovernmental Working 
Group shall have 9 members, of whom— 
(1) five members shall be selected by the Sec-
retary of Health and Human Services from employ-
ees of the Department of Health and Human Serv-
ices who are knowledgeable concerning the edu-
cation, training, employment, and medical practices 
of health care professionals and the health care 
workforce; 
(2) two members shall be selected by the Sec-
retary of Education from employees of the Depart-
ment of Education who are knowledgeable con-
cerning eligible Federal student loans and the ad-
ministration of such loans; and 
(3) two members shall be selected by the Sec-
retary of the Treasury from employees of the De-
partment of the Treasury who are knowledgeable 
concerning eligible private student loans, the admin-
istration of such loans, and private educational lend-
ers. 
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(c) DUTIES.—The Intergovernmental Working Group 
established under this section shall— 
(1) develop a procedure or list of requirements 
to 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(1)(C); 
(2) determine what information an individual 
needs to provide for the Secretaries concerned to de-
termine whether the individual has made significant 
contributions to the medical response to the quali-
fying emergency for purposes of determining wheth-
er the individual is a frontline health care worker as 
defined in section 9(1)(B); 
(3) not later than 15 days after the date on 
which the Council is established, report the informa-
tion described in paragraphs (1) and (2) to the Sec-
retaries concerned for inclusion in the application 
developed in accordance with section 6(b)(1); 
(4) 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 or loan repayment (or both) under this 
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Act by the Secretaries concerned because of a 
determination that the applicant is not a front-
line health care worker may, within 30 days of 
the date of such denial, submit an appeal of 
such denial to the Intergovernmental 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 
(5) upon the request for an appeal by an appli-
cant described in paragraph (4), 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. 8. TERMINATION OF AUTHORITY. 
The authority of the Secretaries concerned to carry 
out the loan forgiveness program under section 2 and loan 
repayment program under section 3, and the authority of 
the Intergovernmental Working Group to carry out the ac-
tivities authorized under section 7, shall cease on the date 
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that is 180 days after the end date of the application pe-
riod described in section 6(a). 
SEC. 9. DEFINITIONS. 
In this Act: 
(1) FRONTLINE HEALTH CARE WORKER.—The 
term ‘‘frontline health care worker’’ means an indi-
vidual who, in exchange for payment or as a volun-
teer, for any period during a qualifying emergency— 
(A) is a— 
(i) 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; 
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(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 
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. 
(2) APPLICABLE LOANS.—For the purposes of 
this Act, the term ‘‘applicable’’, when used with re-
spect to an eligible Federal student loan or an eligi-
ble private student loan, means— 
(A) in the case of a frontline health care 
worker who has obtained a graduate education 
degree or certificate— 
(i) any eligible Federal student loan 
for the graduate education of such worker 
(including a consolidation loan, to the ex-
tent that such consolidation loan was used 
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vance within the specific health care-re-
lated occupation of the worker. 
(3) 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). 
(4) 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. 
(5) 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 
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of 1965 before the date of enactment of this Act, in-
cluding a consolidation loan under such title. 
(6) 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. 
(7) GRADUATE EDUCATION.—The term ‘‘grad-
uate education’’ means a postbaccalaureate program 
of study at an institution of higher education that— 
(A) leads to a master’s degree; 
(B) leads to a doctoral degree; or 
(C) does not lead to a graduate degree, but 
awards or is necessary to obtain a professional 
certification or licensing credential that is re-
quired for employment. 
(8) INSTITUTION OF HIGHER EDUCATION.—The 
term ‘‘institution of higher education’’ has the 
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meaning given such term in section 102 of the High-
er Education Act of 1965 (20 U.S.C. 1002). 
(9) 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)). 
(10) 
QUALIFYING
EMERGENCY.—The 
term 
‘‘qualifying emergency’’ means— 
(A) a public health emergency related to 
the coronavirus declared by the Secretary of 
Health and Human Services pursuant to sec-
tion 319 of the Public Health Service Act (42 
U.S.C. 247d); 
(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-
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 
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section 201 of the National Emergencies Act 
(50 U.S.C. 1601 et seq.). 
(11) 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. 
(12) UNDERGRADUATE EDUCATION.—The term 
‘‘undergraduate education’’ means a postsecondary 
program of study at an institution of higher edu-
cation that— 
(A) leads to an associate’s degree; 
(B) leads to a baccalaureate degree; or 
(C) does not lead to an associate’s or bac-
calaureate degree, but awards or is necessary to 
obtain a certification or licensing credential that 
is required for employment. 
Æ 
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