I 
119TH CONGRESS 
1ST SESSION H. R. 6284 
To amend the Higher Education Act of 1965 to provide for a percentage 
of student loan forgiveness for public service employment, and for other 
purposes. 
IN THE HOUSE OF REPRESENTATIVES 
NOVEMBER 21, 2025 
Mr. SWALWELL (for himself, Mr. BOYLE of Pennsylvania, Mr. GARAMENDI, 
Ms. NORTON, Ms. PINGREE, Mr. HORSFORD, and Ms. LOFGREN) intro-
duced the following bill; which was referred to the Committee on Edu-
cation and Workforce 
A BILL 
To amend the Higher Education Act of 1965 to provide 
for a percentage of student loan forgiveness for public 
service employment, 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 ‘‘Strengthening Loan 
Forgiveness for Public Service Workers Act’’. 
SEC. 2. PUBLIC SERVICE LOAN FORGIVENESS PROGRAM. 
Section 455(m) of the Higher Education Act of 1965 
(20 U.S.C. 1087e(m)) is amended— 
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(1) in paragraph (1)— 
(A) in the matter preceding subparagraph 
(A), by inserting ‘‘, except as provided in para-
graph (5),’’ after ‘‘on any eligible Federal Di-
rect Loan not in default’’; and 
(B) by striking subparagraph (B) and in-
serting the following: 
‘‘(B) has been employed in a public service 
job during the period in which the borrower 
makes each of the 120 payments described in 
subparagraph (A).’’; and 
(2) by adding at the end the following: 
‘‘(5) LOAN CANCELLATION FOR NEW LOANS.— 
‘‘(A) IN
GENERAL.—Beginning after the 
date of enactment of the Strengthening Loan 
Forgiveness for Public Service Workers Act, the 
Secretary shall cancel the percent specified in 
subparagraph (B) of the total amount due on 
any eligible Federal Direct Loan made after the 
date of enactment of the Strengthening Loan 
Forgiveness for Public Service Workers Act for 
a borrower who is employed in a public service 
job and for whom employment is certified pur-
suant to subparagraph (D). 
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‘‘(B) PERCENT AMOUNT.—The percent of 
a loan that shall be canceled under subpara-
graph (A) is as follows: 
‘‘(i) In the case of a borrower who has 
made 24 monthly payments on any eligible 
Federal Direct Loan made after the date 
of enactment of the Strengthening Loan 
Forgiveness for Public Service Workers 
Act and was employed in a public service 
job during the period in which the bor-
rower made each of the 24 monthly pay-
ments, 15 percent of the total amount due 
on the eligible Federal Direct Loan on the 
date the borrower entered repayment on 
such eligible Federal Direct Loan. 
‘‘(ii) In the case of a borrower who 
has made 48 monthly payments on any eli-
gible Federal Direct Loan made after the 
date of enactment of the Strengthening 
Loan Forgiveness for Public Service Work-
ers Act and was employed in a public serv-
ice job during the period in which the bor-
rower made each of the 48 monthly pay-
ments, an additional 15 percent of the 
total amount due on the eligible Federal 
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Direct Loan on the date the borrower en-
tered repayment on such eligible Federal 
Direct Loan. 
‘‘(iii) In the case of a borrower who 
has made 72 monthly payments on any eli-
gible Federal Direct Loan made after the 
date of enactment of the Strengthening 
Loan Forgiveness for Public Service Work-
ers Act and was employed in a public serv-
ice job during the period in which the bor-
rower made each of the 72 monthly pay-
ments, an additional 15 percent of the 
total amount due on the eligible Federal 
Direct Loan on the date the borrower en-
tered repayment on such eligible Federal 
Direct Loan. 
‘‘(iv) In the case of a borrower who 
has made 96 monthly payments on any eli-
gible Federal Direct Loan made after the 
date of enactment of the Strengthening 
Loan Forgiveness for Public Service Work-
ers Act and was employed in a public serv-
ice job during the period in which the bor-
rower made each of the 96 monthly pay-
ments, an additional 15 percent of the 
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total amount due on the eligible Federal 
Direct Loan on the date the borrower en-
tered repayment on such eligible Federal 
Direct Loan. 
‘‘(C) CANCELLATION OF REMAINING BAL-
ANCE.— 
‘‘(i) IN GENERAL.—In the case of a 
borrower who has made 120 monthly pay-
ments on any eligible Federal Direct Loan 
made after the date of enactment of the 
Strengthening Loan Forgiveness for Public 
Service Workers Act and was employed in 
a public service job during the period in 
which the borrower made each of the 120 
monthly payments, the Secretary shall can-
cel the obligation to repay the balance of 
principal and interest due as of the time of 
such cancellation on the eligible Federal 
Direct Loan made to the borrower if em-
ployment is certified pursuant to subpara-
graph (D). 
‘‘(ii) 
DEFERMENT.—The 
Secretary 
shall automatically place an eligible Fed-
eral Direct Loan of a borrower described 
in clause (i) in deferment for the period 
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during which the Secretary processes the 
loan cancellation described in clause (i). 
‘‘(D) EMPLOYMENT CERTIFICATION.—The 
Secretary shall certify a borrower’s employment 
for purposes of loan cancellation under this 
paragraph— 
‘‘(i) without requiring the borrower to 
submit information, if the Secretary is able 
to confirm that the borrower meets the em-
ployment requirements under this para-
graph without such information; or 
‘‘(ii) in the case in which the Sec-
retary is not able to confirm that the bor-
rower meets the employment requirements 
under this paragraph without information 
from the borrower, if the borrower submits 
to the Secretary an employment certifi-
cation form that is developed by the Sec-
retary and includes self-certification of em-
ployment and a separate part for employer 
certification that indicates the dates of em-
ployment for purposes of loan cancellation 
under this paragraph. 
‘‘(E) INTEREST CANCELED.— 
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‘‘(i) IN GENERAL.—If a portion of a 
loan is canceled under this paragraph for 
any year, the entire amount of interest on 
such loan that accrues for such year shall 
be canceled. 
‘‘(ii) INTEREST
CANCELED
DURING 
REVIEW.—The Secretary shall cancel any 
interest that accrues that is not otherwise 
canceled pursuant to this paragraph for a 
borrower who receives loan cancellation 
under this paragraph during the period be-
ginning on the date the borrower submits 
an application for loan cancellation under 
this paragraph until the date the borrower 
receives loan cancellation pursuant to such 
application that is approved.’’. 
Æ 
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