or excepted consolidation loan)’’ and inserting ‘‘any cov-
ered loan (as defined in section 455(d)(11))’’. 
SEC. 215. PROCEDURE AND REQUIREMENT FOR REQUEST-
ING TAX RETURN INFORMATION FROM THE 
IRS. 
Section 494(a) of the Higher Education Act of 1965 
(20 U.S.C. 1098h(a)) is amended— 
(1) in paragraph (2)— 
(A) in subparagraph (A), in the matter 
preceding clause (i), by striking ‘‘a loan under 
part D’’ and inserting ‘‘a covered loan (as de-
fined in section 455(d)(11))’’; and 
(B) in subparagraph (B), by striking ‘‘a 
loan under part D’’ and inserting ‘‘a covered 
loan (as defined in section 455(d)(11))’’; and 
(2) by adding at the end the following: 
‘‘(4) LOAN
DELINQUENCY
AND
REHABILITA-
TION.— 
‘‘(A) 
BORROWERS
DELINQUENT
ON 
LOANS.—In the case of an individual who is a 
borrower of a covered loan and who is at least 
31 days delinquent on such loan, the Secretary, 
with respect to such individual and any spouse 
of such individual, shall— 
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‘‘(i) provide to such individuals the 
notification 
described 
in 
paragraph 
(1)(A)(i); and 
‘‘(ii) require, as a condition of eligi-
bility for the notification and automatic en-
rollment 
procedures 
under 
section 
455(d)(9), that such individuals— 
‘‘(I) affirmatively approve the 
disclosure described in paragraph 
(1)(A)(i) and agree that such approval 
shall serve as an ongoing approval of 
such disclosure until the date on 
which the individual elects to opt out 
of such disclosure under section 
455(d)(9)(A)(ii); or 
‘‘(II) provide such information as 
the Secretary may require to carry 
out the procedures under section 
455(d)(9) with respect to such indi-
vidual. 
‘‘(B) LOAN REHABILITATION.—In the case 
of any written or electronic application by an 
individual for the rehabilitation of a covered 
loan pursuant to section 428F(a), the Sec-
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retary, with respect to such individual and any 
spouse of such individual, shall— 
‘‘(i) provide to such individuals the 
notification 
described 
in 
paragraph 
(1)(A)(i); and 
‘‘(ii) require, as a condition of eligi-
bility for loan rehabilitation pursuant to 
section 428F(a), that such individuals— 
‘‘(I) affirmatively approve the 
disclosure described in paragraph 
(1)(A)(i) and agree that such approval 
shall serve as an ongoing approval of 
such disclosure until the date on 
which the individual elects to opt out 
of such disclosure under section 
455(d)(10)(A)(ii); or 
‘‘(II) provide such information as 
the Secretary may require to carry 
out the procedures under section 
455(d)(10) with respect to such indi-
vidual. 
‘‘(C) COVERED
LOAN
DEFINED.—In this 
paragraph, the term ‘covered loan’ has the 
meaning given the term in section 455(d)(11).’’. 
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PART C—AMENDMENTS TO CERTAIN LOAN 
FORGIVENESS PROGRAMS 
SEC. 221. AMENDMENTS TO TERMS AND CONDITIONS OF 
PUBLIC SERVICE LOAN FORGIVENESS. 
(a) NUMBER OF MONTHLY PAYMENTS; REPAYMENT 
PLANS.—Paragraph (1) of section 455(m) of the Higher 
Education Act of 1965 (20 U.S.C. 1087e(m)) is amend-
ed— 
(1) in subparagraph (A)— 
(A) in the matter preceding clause (i), by 
striking ‘‘120’’ and inserting ‘‘96’’; 
(B) by striking ‘‘or’’ at the end of clause 
(iii); 
(C) in clause (iv), by striking ‘‘and’’ and 
inserting ‘‘or’’; and 
(D) by adding at the end the following: 
‘‘(v) in lieu of such a payment, has 
been in— 
‘‘(I) cancer treatment deferment 
under 
section 
427(a)(2)(C)(iv), 
428(b)(1)(M)(v), or 455(f)(3); 
‘‘(II) rehabilitation training pro-
gram 
deferment 
under 
section 
427(a)(2)(C)(i)(II), 
428(b)(1)(M)(i)(II), 
or 
455(f)(2)(A)(ii); 
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‘‘(III) military service deferment 
under section 428(b)(1)(M)(iii) or 
455(f)(2)(C); 
‘‘(IV) unemployment deferment 
under 
section 
427(a)(2)(C)(ii), 
428(b)(1)(M)(ii), 428B(d)(1)(A)(i), or 
455(f)(2)(B); 
‘‘(V) deferment due to an eco-
nomic hardship described in section 
427(a)(2)(C)(iii), 
section 
428(b)(1)(M)(iv), 
section 
428B(d)(1)(A)(i), section 435(o), or 
section 455(f)(2)(D); 
‘‘(VI) 
Peace 
Corps 
service 
deferment 
under 
section 
682.210(b)(2)(ii) or 682.210(k) of 
title 34, Code of Federal Regulations 
(or successor regulations), as made 
applicable to Direct Loan borrowers 
under section 685.204(j) of such title 
34; 
‘‘(VII) has been in post-active- 
duty student deferment under section 
493D; 
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‘‘(VIII) AmeriCorps forbearance 
under section 428(c)(3)(A)(i)(III); 
‘‘(IX) National Guard Duty for-
bearance 
under 
section 
682.211(h)(2)(iii) or 685.205(a)(7) of 
title 34, Code of Federal Regulations 
(or successor regulations); 
‘‘(X) Department of Defense stu-
dent loan repayment program forbear-
ance 
under 
section 
428(c)(3)(A)(i)(IV); 
‘‘(XI) Administrative forbearance 
or mandatory administrative forbear-
ance under section 428(c)(3)(D) or 
428H(e)(7); or 
‘‘(XII) Student loan debt burden 
forbearance 
under 
section 
428(c)(3)(A)(i)(II); and’’; and 
(2) in subparagraph (B), by striking ‘‘(i) is em-
ployed’’ and all that follows through ‘‘has been’’ and 
inserting ‘‘has been’’. 
(b) AUTOMATIC CANCELLATION.—Paragraph (2) of 
section 455(m) of the Higher Education Act of 1965 (20 
U.S.C. 1087e(m)(2)) is amended by adding at the end the 
following: ‘‘In the case of a borrower who meets the re-
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