I 
119TH CONGRESS 
1ST SESSION H. R. 5084 
To amend the Higher Education Act of 1965 to provide undergraduate 
student loan forgiveness for public school teachers who provide 8 years 
of consecutive teaching service. 
IN THE HOUSE OF REPRESENTATIVES 
SEPTEMBER 2, 2025 
Mr. FIELDS introduced the following bill; which was referred to the Committee 
on Education and Workforce, and in addition to the Committee on Ways 
and Means, for a period to be subsequently determined by the Speaker, 
in each case for consideration of such provisions as fall within the juris-
diction of the committee concerned 
A BILL 
To amend the Higher Education Act of 1965 to provide 
undergraduate student loan forgiveness for public school 
teachers who provide 8 years of consecutive teaching 
service. 
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 ‘‘Teacher Loan Forgive-
ness Enhancement Act’’. 
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SEC. 2. PUBLIC SCHOOL TEACHER LOAN FORGIVENESS 
FOR UNDERGRADUATE LOANS. 
Part G of title IV of the Higher Education Act of 
1965 (20 U.S.C. 1088 et seq.) is amended by adding at 
the end the following: 
‘‘SEC. 494A. PUBLIC SCHOOL TEACHER LOAN FORGIVENESS 
FOR UNDERGRADUATE LOANS. 
‘‘(a) IN GENERAL.—The Secretary shall forgive, in 
accordance with this section, the eligible Federal under-
graduate loans of a borrower who has been employed full- 
time as a public school teacher for at least 8 consecutive 
years. 
‘‘(b) METHOD OF LOAN FORGIVENESS.—To forgive 
eligible Federal undergraduate loans under this section, 
the Secretary shall carry out a program— 
‘‘(1) through the holder of the loan, to assume 
the obligation to repay such a loan that is made, in-
sured, or guaranteed under part B of this title; 
‘‘(2) to cancel such a loan that is made under 
this part; and 
‘‘(3) to cancel such a loan made under part E, 
and to make payments to institutions of higher edu-
cation for an amount equal to the aggregate of the 
amounts of loans from its student loan fund which 
are canceled pursuant to this section, in accordance 
with the requirements of section 465(b). 
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‘‘(c) LOAN FORGIVENESS AMOUNTS.—Upon comple-
tion by a borrower of the 8 consecutive years of employ-
ment described in subsection (a), the Secretary shall for-
give, in accordance with subsection (b), the balance of 
principal and interest due as of the time of such forgive-
ness, on the eligible Federal undergraduate loans of the 
borrower. 
‘‘(d) LOAN FORGIVENESS NOT TAXABLE INCOME.— 
The amount of a loan, including interest on a loan, for-
given under this section shall not be considered income 
for purposes of the Internal Revenue Code of 1986. 
‘‘(e) DOUBLE BENEFITS AUTHORIZED.—An bor-
rower may, for the same service, receive a benefit under 
both this section and— 
‘‘(1) section 428K; 
‘‘(2) section 460; 
‘‘(3) section 455(m); or 
‘‘(4) subtitle D of title I of the National and 
Community Service Act of 1990 (42 U.S.C. 12601 
et seq.). 
‘‘(f) DEFINITIONS.—In this section: 
‘‘(1) ELIGIBLE
FEDERAL
UNDERGRADUATE 
LOAN.—The term ‘eligible Federal undergraduate 
Loan’ means any loan made, insured, or guaranteed 
under part B, this part, or part E that is attrib-
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utable to an undergraduate course or program of 
study. 
‘‘(2) ESEA TERMS.—The terms ‘elementary 
school’ and ‘secondary school’ have the meanings 
given such terms in section 8101 of the Elementary 
and Secondary Education Act of 1965 (20 U.S.C. 
7801). 
‘‘(3) PUBLIC
SCHOOL
TEACHER.—The term 
‘public school teacher’ means a teacher at a public 
elementary school or public secondary school.’’. 
SEC. 3. DEFERMENT FOR PUBLIC SCHOOL TEACHERS. 
(a) FEDERAL DIRECT LOANS.—Section 455(f) of the 
Higher Education Act of 1965 (20 U.S.C. 1087e(f)) is 
amended— 
(1) by redesignating paragraphs (6) and (7) as 
paragraphs (7) and (8), respectively; and 
(2) by inserting after paragraph (5) the fol-
lowing: 
‘‘(6) DEFERMENT
FOR
BORROWERS
WHILE 
SERVING AS A PUBLIC SCHOOL TEACHER.— 
‘‘(A) EFFECT ON PRINCIPAL AND INTER-
EST.—A borrower of a loan made under this 
part who meets the requirements of subpara-
graph (B) shall be eligible for a deferment, dur-
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ing which periodic installments of principal 
need not be paid, and interest shall not accrue. 
‘‘(B) ELIGIBILITY.—A borrower of a loan 
made under this part shall be eligible for a 
deferment during— 
‘‘(i) any period in which such bor-
rower is serving as a public school teacher 
(as defined in section 494A); and 
‘‘(ii) the 6 months after such period. 
‘‘(C) 
APPLICABILITY.—This 
paragraph 
shall apply with respect to loans— 
‘‘(i) made on or after the date of the 
enactment of this paragraph; or 
‘‘(ii) in repayment on the date of the 
enactment of this paragraph.’’. 
(b) FFEL LOANS.— 
(1) Section 427(a)(2)(C) of the Higher Edu-
cation Act of 1965 (20 U.S.C. 1077(a)(2)(C)) is 
amended— 
(A) in clause (iii), by striking ‘‘or’’ at the 
end; 
(B) in clause (iv), by striking the period at 
the end and inserting ‘‘; or’’; and 
(C) by inserting after clause (iv), as so 
amended, the following: 
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‘‘(v) during which the borrower is 
serving as a public school teacher (as de-
fined in section 494A) and the 6 months 
after such period;’’. 
(2) Section 428(b)(1)(M) of the Higher Edu-
cation Act of 1965 (20 U.S.C. 1077(b)(1)(M)) is 
amended— 
(A) in clause (iv), by striking ‘‘or’’ at the 
end; 
(B) in clause (v), by inserting ‘‘or’’ at the 
end; and 
(C) by adding at the end the following: 
‘‘(vi) during which the borrower is 
serving as a public school teacher (as de-
fined in section 494A) and the 6 months 
after such period;’’. 
(c) PERKINS LOANS.—Section 464(c)(2)(A) of the 
Higher 
Education 
Act 
of 
1965 
(20 
U.S.C. 
1087dd(c)(2)(A))— 
(1) in clause (v), by striking ‘‘or’’ at the end; 
(2) in clause (vi), by adding ‘‘or’’ at the end; 
and 
(3) by inserting after clause (vi), as so amend-
ed, the following: 
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‘‘(vii) during which the borrower is 
serving as a public school teacher (as de-
fined in section 494A) and the 6 months 
after such period;’’. 
SEC. 4. AUTHORIZATION OF DISCLOSURE BY SECRETARY 
OF THE TREASURY. 
(a) IN GENERAL.—Section 6103(l)(13) of the Inter-
nal Revenue Code of 1986 is amended by adding at the 
end the following new subparagraph: 
‘‘(G) PUBLIC
TEACHER
LOAN
FORGIVE-
NESS.—The Secretary shall, upon written re-
quest from the Secretary of Education, disclose 
to any authorized person, only for the purpose 
of (and to the extent necessary in) discharging 
loans under section 494A the Higher Education 
Act of 1965, the following return information 
from returns (for any taxable year specified by 
the Secretary of Education as relevant to such 
purpose) of an individual: 
‘‘(i) The return information described 
in clauses (i) and (vi) of subparagraph (A). 
‘‘(ii) The employer identification num-
ber of each employer employing the indi-
vidual during a specified taxable year. 
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