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which the enrollment of children counted under 
section 1113(a)(5) of the Elementary and Sec-
ondary Education Act of 1965 exceeds 40 per-
cent of the total enrollment of that school. 
‘‘(6) CHILD
WELFARE
WORKERS.—An indi-
vidual who— 
‘‘(A) has obtained a degree in social work 
or a related field with a focus on serving chil-
dren and families; and 
‘‘(B) is employed in public or private child 
welfare services. 
‘‘(7) SPEECH-LANGUAGE
PATHOLOGISTS.—An 
individual who is a speech-language pathologist, who 
is employed in an eligible preschool program or an 
elementary or secondary school, and who has, at a 
minimum, a graduate degree in speech-language pa-
thology, or communication sciences and disorders. 
‘‘(8) NATIONAL SERVICE.—An individual who is 
engaged as a participant in a project under the Na-
tional and Community Service Act of 1990 (as such 
terms are defined in section 101 of such Act (42 
U.S.C. 12511)). 
‘‘(9) SCHOOL COUNSELORS.—An individual who 
is employed as a school counselor (as such term is 
defined in section 5421(e)(3) of Elementary and
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Secondary Education Act of 1965 (20 U.S.C. 
7245(e)(3)) in an elementary or secondary school 
which is in the school district of a local educational 
agency which is eligible in such year for assistance 
pursuant to title I of the Elementary and Secondary 
Education Act of 1965, and which for the purpose 
of this paragraph and for that year has been deter-
mined by the Secretary (pursuant to regulations and 
after consultation with the State educational agency 
of the State in which the school is located) to be a 
school in which the enrollment of children counted 
under section 1113(a)(5) of the Elementary and 
Secondary Education Act of 1965 exceeds 30 per-
cent of the total enrollment of that school. 
‘‘(10) PUBLIC SECTOR EMPLOYEES.—An indi-
vidual who is employed in public safety (including as 
a first responder, firefighter, police officer, or other 
law enforcement or public safety officer), emergency 
management (including as an emergency medical 
technician), public health, or public interest legal 
services (including prosecution or public defense or 
legal advocacy in low-income communities at a non-
profit organization). 
‘‘(c) QUALIFIED LOAN AMOUNT.—At the end of each 
school, academic, or calendar year of full-time employment
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in an area of national need described in subsection (b), 
not to exceed 5 years, the Secretary shall forgive not more 
than $1,000 of the student loan obligation of a borrower 
that is outstanding after the completion of each such 
school, academic, or calendar year of employment, as ap-
propriate, not to exceed $5,000 in the aggregate for any 
borrower. 
‘‘(d) CONSTRUCTION.—Nothing in this section shall 
be construed to authorize the refunding of any repayment 
of a loan. 
‘‘(e) SEGAL AMERICORPS EDUCATION AWARD AND 
NATIONAL SERVICE AWARD RECIPIENTS.—A student bor-
rower who qualifies for the maximum education award 
under subtitle D of title I of the National and Community 
Service Act of 1990 (42 U.S.C. 12601 et seq.) shall re-
ceive under this section the amount, if any, by which the 
maximum benefit available under this section exceeds the 
maximum education award available under such subtitle. 
‘‘(f) INELIGIBILITY
FOR DOUBLE BENEFITS.—No 
borrower may receive a reduction of loan obligations under 
both this section and section 428J or 460. 
‘‘(g) DEFINITIONS.—In this section: 
‘‘(1) CRITICAL FOREIGN LANGUAGE.—The term 
‘critical foreign language’ includes the languages of 
Arabic, Korean, Japanese, Chinese, Pashto, Persian-
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Farsi, Serbian-Croatian, Russian, Portuguese, and 
any other language identified by the Secretary of 
Education, in consultation with the Defense Lan-
guage Institute, the Foreign Service Institute, and 
the National Security Education Program, as a crit-
ical foreign language need. 
‘‘(2) 
EARLY
CHILDHOOD
EDUCATOR.—The 
term ‘early childhood educator’ means an early 
childhood educator who works directly with children 
in an eligible preschool program or eligible early 
childhood education program who has completed a 
baccalaureate or advanced degree in early childhood 
development, early childhood education, or in a field 
related to early childhood education. 
‘‘(3) ELIGIBLE
PRESCHOOL
PROGRAM.—The 
term ‘eligible preschool program’ means a program 
that provides for the care, development, and edu-
cation of infants, toddlers, or young children age 5 
and under, meets any applicable State or local gov-
ernment licensing, certification, approval, and reg-
istration requirements, and is operated by— 
‘‘(A) a public or private school that is sup-
ported, sponsored, supervised, or administered 
by a local educational agency;
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‘‘(B) a Head Start agency serving as a 
grantee designated under the Head Start Act 
(42 U.S.C. 9831 et seq.); 
‘‘(C) a nonprofit or community based orga-
nization; or 
‘‘(D) a child care program, including a 
home. 
‘‘(4) ELIGIBLE EARLY CHILDHOOD EDUCATION 
PROGRAM.—The term ‘eligible early childhood edu-
cation program’ means— 
‘‘(A) a family child care program, center- 
based child care program, State prekinder-
garten program, school program, or other out- 
of-home early childhood development care pro-
gram, that— 
‘‘(i) is licensed or regulated by the 
State; and 
‘‘(ii) serves 2 or more unrelated chil-
dren who are not old enough to attend kin-
dergarten; 
‘‘(B) a Head Start Program carried out 
under the Head Start Act (42 U.S.C. 9831 et 
seq.); or
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‘‘(C) an Early Head Start Program carried 
out under section 645A of the Head Start Act 
(42 U.S.C. 9840a). 
‘‘(5) LOW-INCOME COMMUNITY.—In this sub-
section, the term ‘low-income community’ means a 
community in which 70 percent of households earn 
less than 85 percent of the State median household 
income. 
‘‘(6) NURSE.—The term ‘nurse’ means a nurse 
who meets all of the following: 
‘‘(A) The nurse graduated from— 
‘‘(i) an accredited school of nursing 
(as those terms are defined in section 801 
of the Public Health Service Act (42 
U.S.C. 296)); 
‘‘(ii) a nursing center; or 
‘‘(iii) an academic health center that 
provides nurse training. 
‘‘(B) The nurse holds a valid and unre-
stricted license to practice nursing in the State 
in which the nurse practices in a clinical set-
ting. 
‘‘(C) The nurse holds one or more of the 
following:
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‘‘(i) A graduate degree in nursing, or 
an equivalent degree. 
‘‘(ii) A nursing degree from a colle-
giate school of nursing (as defined in sec-
tion 801 of the Public Health Service Act 
(42 U.S.C. 296)). 
‘‘(iii) A nursing degree from an asso-
ciate degree school of nursing (as defined 
in section 801 of the Public Health Service 
Act (42 U.S.C. 296)). 
‘‘(iv) A nursing degree from a diploma 
school of nursing (as defined in section 
801 of the Public Health Service Act (42 
U.S.C. 296)). 
‘‘(7) SPEECH-LANGUAGE
PATHOLOGIST.—The 
term ‘speech-language pathologist’ means a speech- 
language pathologist who— 
‘‘(A) has received, at a minimum, a grad-
uate degree in speech-language pathology or 
communication sciences and disorders from an 
institution of higher education accredited by an 
agency or association recognized by the Sec-
retary pursuant to section 496(a) of this Act; 
and
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‘‘(B) provides speech-language pathology 
services under section 1861(ll)(1) of the Social 
Security Act (42 U.S.C. 1395x(ll)(1), or meets 
or exceeds the qualifications for a qualified 
speech-language pathologist under subsection 
(ll)(3) of such section (42 U.S.C. 1395x(ll)(3)). 
‘‘(h) PROGRAM FUNDING.—There shall be available 
to the Secretary to carry out this section, from funds not 
otherwise appropriated, such sums as may be necessary 
to provide loan forgiveness in accordance with this section 
to each eligible individual.’’. 
SEC. 132. INCOME-CONTINGENT REPAYMENT FOR PUBLIC 
SECTOR EMPLOYEES. 
Section 455(e) (20 U.S.C. 1087e(e)) is amended by 
adding at the end the following: 
‘‘(7) REPAYMENT PLAN FOR PUBLIC SECTOR 
EMPLOYEES.— 
‘‘(A) IN
GENERAL.—The Secretary shall 
forgive the balance due on any loan made under 
this part or section 428C(b)(5) for a bor-
rower— 
‘‘(i) who has made 120 payments on 
such loan pursuant to income-contingent 
repayment; and
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‘‘(ii) who is employed, and was em-
ployed for the 10-year period in which the 
borrower made the 120 payments de-
scribed in clause (i), in a public sector job. 
‘‘(B) PUBLIC SECTOR JOB.—In this para-
graph, the term ‘public sector job’ means a full- 
time job in emergency management, govern-
ment, public safety, law enforcement, public 
health, education (including early childhood 
education), social work in a public child or fam-
ily service agency, public interest legal services 
(including prosecution or public defense or legal 
advocacy in low-income communities at a non-
profit organization), or at an organization that 
is described in section 501(c)(3) of the Internal 
Revenue Code of 1986 and exempt from tax-
ation under section 501(a) of such Code. 
‘‘(8) RETURN TO STANDARD REPAYMENT.—A 
borrower who is repaying a loan made under this 
part pursuant to income-contingent repayment may 
choose, at any time, to terminate repayment pursu-
ant to income-contingent repayment and repay such 
loan under the standard repayment plan.’’.
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SEC. 133. INCOME-BASED REPAYMENT. 
(a) AMENDMENT.—Part G of title IV (20 U.S.C. 
1088 et seq.) is further amended by adding at the end 
the following: 
‘‘SEC. 493C. INCOME-BASED REPAYMENT. 
‘‘(a) DEFINITIONS.—In this section: 
‘‘(1) EXCEPTED
PLUS
LOAN.—The term ‘ex-
cepted PLUS loan’ means a loan under section 
428B, or a Federal Direct PLUS Loan, that is 
made, insured, or guaranteed on behalf of a depend-
ent student. 
‘‘(2) PARTIAL
FINANCIAL
HARDSHIP.—The 
term ‘partial financial hardship’, when used with re-
spect to a borrower, means that for such borrower— 
‘‘(A) the annual amount due on the total 
amount of loans made, insured, or guaranteed 
under part B or D (other than an excepted 
PLUS loan) to a borrower as calculated under 
the standard repayment plan under section 
428(b)(9)(A)(i) or 455(d)(1)(A); exceeds 
‘‘(B) 15 percent of the result obtained by 
calculating the amount by which— 
‘‘(i) the borrower’s, and the bor-
rower’s spouse’s (if applicable), adjusted 
gross income; exceeds
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‘‘(ii) 150 percent of the poverty line 
applicable to the borrower’s family size as 
determined under section 673(2) of the 
Community Services Block Grant Act (42 
U.S.C. 9902(2)). 
‘‘(b) INCOME-BASED REPAYMENT PROGRAM AU-
THORIZED.—Notwithstanding any other provision of this 
Act, the Secretary shall carry out a program under 
which— 
‘‘(1) a borrower of any loan made, insured, or 
guaranteed under part B or D (other than an ex-
cepted PLUS loan) who has a partial financial hard-
ship may elect, during any period the borrower has 
the partial financial hardship, to have the borrower’s 
aggregate monthly payment for all such loans not 
exceed the result described in subsection (a)(2)(B) 
divided by 12; 
‘‘(2) the holder of such a loan shall apply the 
borrower’s monthly payment under this subsection 
first toward interest due on the loan and then to-
ward the principal of the loan; 
‘‘(3) any interest due and not paid under para-
graph (2) shall be capitalized; 
‘‘(4) any principal due and not paid under 
paragraph (2) shall be deferred;