by such date, a report that includes an explanation 
of why those activities have not been implemented. 
SEC. 6. LOAN DEFERMENT FOR BORROWERS PERFORMING 
MILITARY SERVICE AND CERTAIN SPOUSES 
OF MEMBERS OF THE ARMED FORCES. 
(a) FFEL LOANS.—Section 428(b)(1)(M) (20 
U.S.C. 1078(b)(1)(M)) is amended— 
(1) by redesignating clause (iv) as clause (v); 
(2) 
in 
clause 
(iii), 
by 
striking 
‘‘the 
borrower—’’ and all that follows through ‘‘described 
in subclause (I) or (II); or’’ and inserting ‘‘the bor-
rower is performing eligible military service, and for 
the 180-day period following the demobilization date 
for such eligible military service;’’; and 
(3) by inserting after clause (iii) the following: 
‘‘(iv) not in excess of 180 days after 
the effective movement date listed on the 
military orders of a borrower’s spouse if 
that spouse is a member of the Armed 
Forces who has received military orders for 
a permanent change of station; or’’. 
(b) DIRECT LOANS.—Section 455(f)(2) (20 U.S.C. 
1087e(f)(2)) is amended— 
(1) by redesignating subparagraph (D) as sub-
paragraph (E); 
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(2) in subparagraph (C), by striking ‘‘the bor-
rower—’’ and all that follows through ‘‘described in 
clause (i) or (ii); or’’ and inserting ‘‘the borrower is 
performing eligible military service, and for the 180- 
day period following the demobilization date for such 
eligible military service;’’; and 
(3) by inserting after subparagraph (C) the fol-
lowing: 
‘‘(D) any period not in excess of 180 days 
after the effective movement date listed on the 
military orders of a borrower’s spouse if that 
spouse is a member of the Armed Forces who 
has received military orders for a permanent 
change of station; or’’. 
(c) 
DEFINITION.—Section 
481(d) 
(20 
U.S.C. 
1088(d)) 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) ELIGIBLE MILITARY SERVICE.—The term 
‘eligible military service’— 
‘‘(A) in the case of a member of a regular 
component of the Armed Forces, means full- 
time duty in the Armed Forces, other than ac-
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tive duty for training (as defined in section 101 
of title 38, United States Code); 
‘‘(B) in the case of a member of the re-
serve components of the Armed Forces, means 
service on active duty under a call or order to 
active duty under section 688, 12301(a), 
12301(d), 12301(g), 12302, or 12304 of title 
10, United States Code, or section 712 of title 
14, United States Code; 
‘‘(C) in the case of a member of the Army 
National Guard of the United States or Air Na-
tional Guard of the United States, means, in 
addition to service described in subparagraph 
(B), full-time service— 
‘‘(i) in the National Guard of a State 
for the purpose of organizing, admin-
istering, recruiting, instructing, or training 
the National Guard; or 
‘‘(ii) in the National Guard under sec-
tion 502(f) of title 32, United States Code, 
when authorized by the President or the 
Secretary of Defense for the purpose of re-
sponding to a national emergency declared 
by the President and supported by Federal 
funds; 
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‘‘(D) in the case of a servicemember who 
is a commissioned officer of the Public Health 
Service or the National Oceanic and Atmos-
pheric Administration, active service; and 
‘‘(E) does not include any period during 
which an individual— 
‘‘(i) was assigned full time by the 
Armed Forces to a civilian institution for 
a course of education that was substan-
tially the same as established courses of-
fered to civilians; 
‘‘(ii) serves as a cadet or midshipman 
at one of the military service academies of 
the United States; or 
‘‘(iii) serves under the provisions of 
section 12103(d) of title 10, United States 
Code, pursuant to an enlistment in the 
Army National Guard or the Air National 
Guard, or as a Reserve for service in the 
Army Reserve, Navy Reserve, Air Force 
Reserve, Marine Corps Reserve, or Coast 
Guard Reserve.’’. 
SEC. 7. PUBLIC SERVICE LOAN FORGIVENESS. 
Section 455(m) (20 U.S.C. 1087e(m)) is amended— 
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(1) by redesignating paragraphs (3) and (4) as 
paragraphs (4) and (5), respectively; and 
(2) by inserting after paragraph (2) the fol-
lowing: 
‘‘(3) LUMP SUM PAYMENT.—For purposes of 
this subsection, if a borrower has enrolled in a re-
payment plan described in paragraph (1)(A) and 
makes a lump sum payment through a student loan 
repayment program under section 2171 of title 10, 
United States Code, or a similarly structured eligible 
repayment program (as determined by the Sec-
retary), the Secretary will treat the borrower as hav-
ing made a number of qualifying payments equal to 
the lesser of— 
‘‘(A) the number, rounded to the nearest 
whole number, equal to the quotient of— 
‘‘(i) such lump sum payment, divided 
by 
‘‘(ii) the monthly payment amount 
that the borrower would have otherwise 
made under the repayment plan described 
in paragraph (1)(A) selected by the bor-
rower; or 
‘‘(B) 12 payments.’’. 
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SEC. 8. ACCRUAL OF INTEREST FOR MEMBERS OF THE 
ARMED FORCES SUBJECT TO HOSTILE FIRE 
OR IMMINENT DANGER. 
Section 455(o) (20 U.S.C. 1087e(o)) is amended— 
(1) by striking paragraph (1) and inserting the 
following: 
‘‘(1) ACCRUAL OF INTEREST FOR MEMBERS OF 
THE ARMED FORCES SUBJECT TO HOSTILE FIRE OR 
IMMINENT
DANGER.—Notwithstanding any other 
provision of this part and in accordance with para-
graphs (2) and (4), the Secretary shall not charge 
interest on a loan made to a borrower under this 
part for which the first disbursement is made on or 
after October 1, 2008, during the period in which a 
borrower who is performing eligible military service 
is serving in an area of hostilities in which service 
qualifies for special pay under section 310 of title 
37, United States Code.’’; 
(2) by striking paragraph (3) and inserting the 
following: 
‘‘(3) IMPLEMENTATION OF ACCRUAL OF INTER-
EST
PROVISION
FOR
MEMBERS
OF
THE
ARMED 
FORCES.— 
‘‘(A) IN GENERAL.—The Secretary of Edu-
cation, in coordination with the Commissioner 
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of the Internal Revenue Service and the Sec-
retary of Defense, shall— 
‘‘(i) ensure that interest does not ac-
crue for eligible military borrowers, in ac-
cordance with this subsection; and 
‘‘(ii) obtain or provide any informa-
tion necessary to implement clause (i) 
without requiring a request from the bor-
rower. 
‘‘(B) REPORTS.— 
‘‘(i) PLAN.—Not later than 90 days 
after the date of enactment of the Service-
member Higher Education Protection Act, 
the Secretary shall submit to the appro-
priate committees of Congress a report 
that includes a plan to implement the ac-
crual of interest provision described in sub-
paragraph (A). 
‘‘(ii) FOLLOW-UP
REPORT.—If the 
Secretary has not implemented the accrual 
of interest provision described in subpara-
graph (A) by the date that is 1 year after 
the date of enactment of the Servicemem-
ber Higher Education Protection Act, the 
Secretary shall submit, by such date, a re-
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port that includes an explanation of why 
such provision has not been implemented.’’; 
and 
(3) in paragraph (4), by striking ‘‘who qualifies 
as an eligible military borrower under this sub-
section’’ and inserting ‘‘described in paragraph (1)’’. 
SEC. 9. IMPROVEMENTS TO NATIONAL STUDENT LOAN 
DATA SYSTEM. 
(a) 
AMENDMENTS.—Section 
485B 
(20 
U.S.C. 
1092b) is amended— 
(1) in subsection (a), by inserting ‘‘and loans 
made or insured under part A of title VII, or part 
E of title VIII, of the Public Health Service Act (42 
U.S.C. 292 et seq., 296 et seq.),’’ after ‘‘parts D 
and E,’’; 
(2) by striking subsection (h) and inserting the 
following: 
‘‘(h) INTEGRATION OF DATABASES.— 
‘‘(1) IN GENERAL.—The Secretary shall inte-
grate the National Student Loan Data System with 
the Federal Pell Grant applicant and recipient data-
bases as of January 1, 1994, and any other data-
bases containing information on participation in pro-
grams under this title. 
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‘‘(2) DEPARTMENT OF DEFENSE AND DEPART-
MENT OF VETERANS AFFAIRS INFORMATION.— 
‘‘(A) IN
GENERAL.—In order to incor-
porate the military and veteran status of bor-
rowers into the National Student Loan Data 
System, the Secretary shall integrate the Na-
tional Student Loan Data System with informa-
tion from— 
‘‘(i) the Department of Defense, in-
cluding the Defense Manpower Data Cen-
ter; and 
‘‘(ii) the Department of Veterans Af-
fairs, including data about veterans who 
are eligible for educational assistance 
under laws administered by the Secretary 
of Veterans Affairs. 
‘‘(B) MEMORANDA OF UNDERSTANDING.— 
The Secretary shall enter into any memoranda 
of understanding that are necessary to carry 
out this paragraph.’’; and 
(3) by adding at the end the following: 
‘‘(i) PUBLIC HEALTH SERVICE LOANS.—The Sec-
retary shall include in the National Student Loan Data 
System established pursuant to subsection (a) information 
regarding loans made under— 
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‘‘(1) subpart II of part A of title VII of the 
Public Health Service Act; or 
‘‘(2) part E of title VIII of the Public Health 
Service Act.’’. 
(b) REPORTS.— 
(1) PLAN.—Not later than 90 days after the 
date of the enactment of this Act, the Secretary of 
Education shall submit to the appropriate commit-
tees of Congress a report that includes a plan to im-
plement the Department of Defense and Department 
of Veterans Affairs data integration provision de-
scribed under section 485B(h)(2) of the Higher 
Education Act of 1965, as amended by subsection 
(a)(2). 
(2) FOLLOW-UP REPORT.—If the Secretary of 
Education has not implemented the Department of 
Defense and Department of Veterans Affairs data 
integration 
provision 
described 
under 
section 
485B(h)(2) of the Higher Education Act of 1965, as 
amended by subsection (a)(2), by the date that is 1 
year after the date of enactment of this Act, the 
Secretary of Education shall submit, by such date, 
a report that includes an explanation of why such 
provision has not been implemented. 
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SEC. 10. EXTENDING THE PROTECTIONS FOR STUDENT 
LOANS FOR ACTIVE DUTY BORROWERS. 
Section 493D (20 U.S.C. 1098f) is amended— 
(1) in the section heading, by inserting ‘‘AND 
PROTECTIONS FOR ACTIVE DUTY BORROWERS’’ 
before the period at the end; 
(2) by redesignating subsection (b) as sub-
section (c); and 
(3) by inserting after subsection (a) the fol-
lowing: 
‘‘(b) USE OF INFORMATION.— 
‘‘(1) IN GENERAL.—The Secretary shall utilize 
information the Secretary receives regarding the ac-
tive duty status of borrowers from the Secretary of 
Defense for any purpose under this title to ensure 
that the interest rate charged on any loan made 
under part D of title IV for borrowers who are sub-
ject to section 207(a)(1) of the Servicemembers Civil 
Relief Act (50 U.S.C. App. 527(a)(1)) does not ex-
ceed the maximum interest rate set forth in such 
section. 
‘‘(2) SCRA INTEREST RATE LIMITATION NO-
TICE REQUIREMENTS.—The submittal by the Sec-
retary of Defense to the Secretary of Education of 
information that informs the Secretary of Education 
that an individual with a student loan under part D 
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of title IV has been or is being called to military 
service 
(as 
defined 
in 
section 
101 
of 
the 
Servicemembers Civil Relief Act (50 U.S.C. 511)) 
shall be considered, for purposes of subjecting such 
student loan to the provisions of section 207 of the 
Servicemembers Civil Relief Act (50 U.S.C. App. 
527), provision by the borrower to the creditor of 
written notice and a copy of military orders as de-
scribed in subsection (b)(1) of such section. 
‘‘(3) PROCEDURES.—Not later than 180 days 
after the date of enactment of the Servicemember 
Higher Education Protection Act, the Secretary, in 
consultation with the Department of Defense, shall 
establish a procedure to implement this subsection.’’. 
SEC. 11. MODIFICATION OF LIMITATION ON RATE OF IN-
TEREST ON STUDENT LOANS DURING AND 
IMMEDIATELY AFTER PERIOD OF MILITARY 
SERVICE. 
(a) EXTENSION OF PERIOD OF APPLICABILITY OF 
LIMITATION ON RATE OF INTEREST ON STUDENT LOANS 
INCURRED BEFORE SERVICE.—Section 207(a)(1) of the 
Servicemembers Civil Relief Act (50 U.S.C. App. 
527(a)(1)) is amended— 
(1) in subparagraph (A), by inserting ‘‘or a stu-
dent loan’’ after ‘‘nature of a mortgage’’; and 
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(2) in the paragraph heading, by inserting ‘‘ON 
DEBT INCURRED BEFORE SERVICE’’ after ‘‘LIMITA-
TION TO 6 PERCENT’’. 
(b) DEBT ENTERED INTO DURING MILITARY SERV-
ICE TO CONSOLIDATE OR REFINANCE STUDENT LOANS 
INCURRED BEFORE MILITARY SERVICE.—Subsection (a) 
of section 207 of such Act (50 U.S.C. App. 527) is amend-
ed— 
(1) by redesignating paragraphs (2) and (3) as 
paragraphs (3) and (4), respectively; 
(2) by inserting after paragraph (1) the fol-
lowing: 
‘‘(2) LIMITATION TO 6 PERCENT ON DEBT IN-
CURRED DURING SERVICE TO CONSOLIDATE OR RE-
FINANCE STUDENT LOANS INCURRED BEFORE SERV-
ICE.—An obligation or liability bearing interest at a 
rate in excess of 6 percent per year that is incurred 
by a servicemember, or the servicemember and the 
servicemember’s spouse jointly, during military serv-
ice to consolidate or refinance one or more student 
loans incurred by the servicemember before such 
military service shall not bear an interest at a rate 
in excess of 6 percent during the period of military 
service and one year thereafter.’’; 
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(3) in paragraph (3), as redesignated by para-
graph (1) of this subsection, by inserting ‘‘or (2)’’ 
after ‘‘paragraph (1)’’; and 
(4) in paragraph (4), as so redesignated, by 
striking ‘‘paragraph (2)’’ and inserting ‘‘paragraph 
(3)’’. 
(c) IMPLEMENTATION OF LIMITATION.—Subsection 
(b) of such section is amended— 
(1) in paragraph (1), by striking ‘‘the interest 
rate limitation in subsection (a)’’ and inserting ‘‘an 
interest rate limitation in paragraph (1) or (2) of 
subsection (a)’’; and 
(2) in paragraph (2)— 
(A) in the paragraph heading, by striking 
‘‘AS OF DATE OF ORDER TO ACTIVE DUTY’’; and 
(B) by inserting before the period at the 
end the following: ‘‘in the case of an obligation 
or liability covered by subsection (a)(1), or as of 
the date the servicemember (or servicemember 
and spouse jointly) incurs the obligation or li-
ability concerned under subsection (a)(2)’’. 
(d) STUDENT LOAN DEFINED.—Subsection (d) of 
such section is amended by adding at the end the following 
new paragraph: 
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‘‘(3) STUDENT LOAN.—The term ‘student loan’ 
means the following: 
‘‘(A) A Federal student loan made, in-
sured, or guaranteed under title IV of the 
Higher Education Act of 1965 (20 U.S.C. 1070 
et seq.). 
‘‘(B) A student loan made pursuant to title 
VII or VIII of the Public Health Service Act 
(42 U.S.C. 292 et seq. and 296 et seq.).’’. 
SEC. 12. WORKING GROUP ON IMPROVEMENT OF RE-
SOURCES AVAILABLE TO MEMBERS OF THE 
ARMED FORCES AND THEIR SPOUSES IN 
USING TUITION ASSISTANCE PROGRAMS OF 
THE DEPARTMENT OF DEFENSE. 
(a) WORKING GROUP REQUIRED.—The Secretary of 
Education, the Secretary of Defense, and the Secretary 
of Veterans Affairs shall jointly, and in consultation with 
the heads of such other departments and agencies of the 
Federal Government as such officials consider appro-
priate, establish and maintain a working group to assess 
and improve the resources available to education service 
officers and other personnel of the Federal Government 
who provide assistance to members of the Armed Forces 
and their spouses in using or seeking to use the tuition 
assistance programs of the Department of Defense. 
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(b) RESOURCES.—In improving resources as de-
scribed in subsection (a), the working group shall provide 
for the inclusion of the following in such resources: 
(1) Information on the benefits and protections 
for members of the Armed Forces and their depend-
ents provided in this Act and the amendments made 
by this Act. 
(2) Consumer information, resources, and tools 
created and maintained by the working group pursu-
ant to this section. 
(3) Information on the availability of consumer 
protection measures, including the complaint system 
established pursuant to Executive Order 13607 (77 
Fed. Reg. 25861; relating to establishing principles 
of excellence for educational institutions serving 
servicemembers, veterans, spouses, and other family 
members). 
(4) Such other information or resources as the 
working group considers appropriate. 
SEC. 13. EXCEPTION FOR SERVICEMEMBERS CIVIL RELIEF 
ACT. 
Section 428(d) (20 U.S.C. 1078(d)) is amended by 
striking ‘‘section 207 of the Servicemembers Civil Relief 
Act (50 U.S.C. App. 527)’’ and inserting ‘‘the 
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Servicemembers Civil Relief Act (50 U.S.C. App. 501 et 
seq.)’’. 
Æ 
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