SEC. 6. APPLICATION AND DETERMINATION OF ELIGI-
BILITY. 
(a) APPLICATION PERIOD.—An individual may apply 
for loan forgiveness under section 2, loan repayment under 
section 3, or both, by submitting an application to the Sec-
retaries concerned during the period that begins on the 
date that is 60 days after the date of enactment of this 
Act and that ends on the date that is 2 years after the 
end of the qualifying period. 
(b) DETERMINATION OF ELIGIBILITY.— 
(1) DEVELOPMENT
OF
APPLICATION.—Not 
later than 60 days after the date of enactment of 
this Act, the Secretaries concerned shall jointly, in 
consultation with the Secretary of Health and 
Human Services and the Intergovernmental Working 
Group (in accordance with section 7), develop one 
application for borrowers of both eligible Federal 
student loans and eligible private student loans to 
apply for loan forgiveness or loan repayment, or 
both, under this Act. 
(2) APPLICATION REQUIREMENTS.—The appli-
cation required under paragraph (1) may only in-
clude such information as is necessary for the Secre-
taries concerned to make a determination of whether 
the applicant— 
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(A) is a frontline health care worker, with-
out consideration of the period of time the ap-
plicant served as such a worker; and 
(B) is a borrower of an applicable eligible 
Federal student loan, an applicable eligible pri-
vate student loan, or both. 
(3) DETERMINATION.—Not later than 30 days 
after the date on which the Secretaries concerned re-
ceive an application from an individual in accordance 
with this Act, the Secretaries concerned shall— 
(A) confirm that such individual is a front-
line health care worker who is a borrower of an 
applicable eligible Federal student loan, an ap-
plicable eligible private student loan, or both, 
then notify the individual of such confirmation, 
and grant the individual loan forgiveness or 
loan repayment, or both, in accordance with 
sections 2 and 3 of this Act; or 
(B) determine that such individual is not a 
frontline health care worker who is a borrower 
of an applicable eligible Federal student loan, 
an eligible private student loan, or both, then 
deny such application, and provide a notifica-
tion to the individual that includes— 
(i) that the application was denied; 
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(ii) the reason for such denial; and 
(iii) if the application was denied be-
cause the Secretaries concerned determined 
that the applicant was not a frontline 
health care worker, an explanation that the 
individual may appeal the denial to the 
Intergovernmental Working Group within 
30 days of the date of such denial, and in-
formation on how the applicant may sub-
mit such an appeal. 
(4) 
TREATMENT
AFTER
SUCCESSFUL
AP-
PEAL.—In the case that an individual appeals the 
denial of an application to the Intergovernmental 
Working Group in accordance with section 7, and 
the individual is determined by the Intergovern-
mental Working Group to be a frontline health care 
worker, the Secretaries concerned shall grant the in-
dividual loan forgiveness or loan repayment, or both, 
in accordance with sections 2 and 3 of this Act not 
later than 30 days after the Secretaries concerned 
are notified of the outcome of the appeal by the 
Intergovernmental Working Group. 
SEC. 7. INTERGOVERNMENTAL WORKING GROUP. 
(a) ESTABLISHMENT.—Not later than 30 days after 
the date of the enactment of this Act, the Secretaries con-
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cerned and the Secretary of Health and Human Services 
shall jointly establish an Intergovernmental Working 
Group to assist, in accordance with this section, with the 
administration of the programs required under this Act. 
(b) MEMBERSHIP.—The Intergovernmental Working 
Group shall have 9 members, of whom— 
(1) five members shall be selected by the Sec-
retary of Health and Human Services from employ-
ees of the Department of Health and Human Serv-
ices who are knowledgeable concerning the edu-
cation, training, employment, and medical practices 
of health care professionals and the health care 
workforce; 
(2) two members shall be selected by the Sec-
retary of Education from employees of the Depart-
ment of Education who are knowledgeable con-
cerning eligible Federal student loans and the ad-
ministration of such loans; and 
(3) two members shall be selected by the Sec-
retary of the Treasury from employees of the De-
partment of the Treasury who are knowledgeable 
concerning eligible private student loans, the admin-
istration of such loans, and private educational lend-
ers. 
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(c) DUTIES.—The Intergovernmental Working Group 
established under this section shall— 
(1) develop a procedure or list of requirements 
to determine whether an individual has made signifi-
cant contributions to the medical response to the 
qualifying emergency for purposes of determining 
whether the individual is a frontline health care 
worker as defined in section 9(1)(C); 
(2) determine what information an individual 
needs to provide for the Secretaries concerned to de-
termine whether the individual has made significant 
contributions to the medical response to the quali-
fying emergency for purposes of determining wheth-
er the individual is a frontline health care worker as 
defined in section 9(1)(B); 
(3) not later than 15 days after the date on 
which the Council is established, report the informa-
tion described in paragraphs (1) and (2) to the Sec-
retaries concerned for inclusion in the application 
developed in accordance with section 6(b)(1); 
(4) not later than 60 days after the date on 
which the Council is established, develop a process 
by which— 
(A) an applicant who is denied loan for-
giveness or loan repayment (or both) under this 
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Act by the Secretaries concerned because of a 
determination that the applicant is not a front-
line health care worker may, within 30 days of 
the date of such denial, submit an appeal of 
such denial to the Intergovernmental Working 
Group; and 
(B) the Intergovernmental Working Group 
will review the appeal and make a determina-
tion with respect to whether the applicant is a 
frontline health care worker; and 
(5) upon the request for an appeal by an appli-
cant described in paragraph (4), using the appeals 
process developed under such paragraph, determine 
within 30 days after submission of the appeal by the 
applicant, whether the applicant is a frontline health 
care worker, and notify the Secretaries concerned 
and the applicant of the outcome of such appeal 
within 15 days of such determination. 
SEC. 8. TERMINATION OF AUTHORITY. 
The authority of the Secretaries concerned to carry 
out the loan forgiveness program under section 2 and loan 
repayment program under section 3, and the authority of 
the Intergovernmental Working Group to carry out the ac-
tivities authorized under section 7, shall cease on the date 
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that is 180 days after the end date of the application pe-
riod described in section 6(a). 
SEC. 9. DEFINITIONS. 
In this Act: 
(1) FRONTLINE HEALTH CARE WORKER.—The 
term ‘‘frontline health care worker’’ means an indi-
vidual who, in exchange for payment or as a volun-
teer, for any period during a qualifying emergency— 
(A) is a— 
(i) doctor, medical resident, medical 
intern, medical fellow, nurse, home health 
care worker, mental health professional, or 
other health care professional who is li-
censed, registered, or certified under Fed-
eral or State law to provide health care 
services and who provides COVID-related 
health care services; 
(ii) a student enrolled at an institu-
tion of higher education in a medical, nurs-
ing, or other relevant health care program 
of study who provides COVID-related 
health care services; 
(iii) a laboratory worker who con-
ducts, evaluates, or analyzes coronavirus 
testing; 
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(iv) a medical researcher who con-
ducts research related to the prevention, 
treatment, or cure of the coronavirus; or 
(v) an emergency medical services 
worker who responds to health emergencies 
or transports patients to hospitals or other 
medical facilities; or 
(B) does not meet the requirements of any 
of the clauses under subparagraph (A), but is 
a health care professional who is licensed, reg-
istered, or certified under Federal or State law 
to provide health care and has made significant 
contributions to the medical response to the 
qualifying emergency. 
(2) APPLICABLE LOANS.—For the purposes of 
this Act, the term ‘‘applicable’’, when used with re-
spect to an eligible Federal student loan or an eligi-
ble private student loan, means— 
(A) in the case of a frontline health care 
worker who has obtained a graduate education 
degree or certificate— 
(i) any eligible Federal student loan 
for the graduate education of such worker 
(including a consolidation loan, to the ex-
tent that such consolidation loan was used 
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to repay loans for graduate education); 
and 
(ii) any eligible private student loan 
for the graduate education of such worker; 
or 
(B) in the case of a frontline health care 
worker who has not obtained a graduate edu-
cation degree or certificate— 
(i) any eligible Federal student loan 
for the undergraduate education of such 
worker (including a consolidation loan, to 
the extent that such consolidation loan was 
used to repay loans for undergraduate edu-
cation), provided that such loan was used 
for undergraduate education in a relevant 
health care program of study that is nec-
essary for an individual to enter or ad-
vance within the specific health care-re-
lated occupation of the worker; and 
(ii) any eligible private student loan 
for the undergraduate education of such 
worker, provided that such loan was used 
for undergraduate education in a relevant 
health care program of study that is nec-
essary for an individual to enter or ad-
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vance within the specific health care-re-
lated occupation of the worker. 
(3) CORONAVIRUS.—The term ‘‘coronavirus’’ 
has the meaning given the term in section 506 of the 
Coronavirus Preparedness and Response Supple-
mental Appropriations Act, 2020 (Public Law 116– 
123). 
(4) COVID-RELATED
HEALTH
CARE
SERV-
ICES.—The term ‘‘COVID-related health care serv-
ices’’ means any health care services that relate to— 
(A) the diagnosis, prevention, or treatment 
of the coronavirus, including through telehealth 
services; 
(B) the assessment or care of the health of 
a human being related to an actual or sus-
pected case of the coronavirus, including 
through telehealth services; or 
(C) patient care in a setting where there is 
a reasonable expectation of risk of exposure to 
the coronavirus. 
(5) ELIGIBLE FEDERAL STUDENT LOAN.—The 
term ‘‘eligible Federal student loan’’ means any loan 
made, insured, or guaranteed under part B, part D, 
or part E of title IV of the Higher Education Act 
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of 1965 before the date of enactment of this Act, in-
cluding a consolidation loan under such title. 
(6) ELIGIBLE PRIVATE STUDENT LOAN.—The 
term ‘‘eligible private student loan’’ means a private 
education loan, as defined in section 140(a) of the 
Truth in Lending Act (15 U.S.C. 1650(a)), that was 
expressly for the cost of attendance (as defined in 
section 472) at an institution of higher education 
participating in a loan program under part B, part 
D, or part E of title IV of the Higher Education Act 
of 1965 (20 U.S.C. 1070 et seq.), as of the date 
that the loan was disbursed, and that was made be-
fore the date of enactment of this Act. 
(7) GRADUATE EDUCATION.—The term ‘‘grad-
uate education’’ means a postbaccalaureate program 
of study at an institution of higher education that— 
(A) leads to a master’s degree; 
(B) leads to a doctoral degree; or 
(C) does not lead to a graduate degree, but 
awards or is necessary to obtain a professional 
certification or licensing credential that is re-
quired for employment. 
(8) INSTITUTION OF HIGHER EDUCATION.—The 
term ‘‘institution of higher education’’ has the 
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meaning given such term in section 102 of the High-
er Education Act of 1965 (20 U.S.C. 1002). 
(9) PRIVATE
EDUCATIONAL
LENDER.—The 
term ‘‘private educational lender’’ has the meaning 
given the term in section 140(a) of the Truth in 
Lending Act (15 U.S.C. 1650(a)). 
(10) 
QUALIFYING
EMERGENCY.—The 
term 
‘‘qualifying emergency’’ means— 
(A) a public health emergency related to 
the coronavirus declared by the Secretary of 
Health and Human Services pursuant to sec-
tion 319 of the Public Health Service Act (42 
U.S.C. 247d); 
(B) an event related to the coronavirus for 
which— 
(i) the President declared a major dis-
aster or an emergency under section 401 
or 501, respectively, of the Robert T. Staf-
ford Disaster Relief and Emergency Assist-
ance Act (42 U.S.C. 5170 and 5191); or 
(ii) the governor of a State or terri-
tory of the United States declared an 
emergency; or 
(C) a national emergency related to the 
coronavirus declared by the President under 
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section 201 of the National Emergencies Act 
(50 U.S.C. 1601 et seq.). 
(11) SECRETARIES
CONCERNED.—The term 
‘‘Secretaries concerned’’ means— 
(A) the Secretary of Education, with re-
spect to eligible Federal student loans and bor-
rowers of such loans; and 
(B) the Secretary of the Treasury, with re-
spect to eligible private student loans and bor-
rowers of such loans. 
(12) UNDERGRADUATE EDUCATION.—The term 
‘‘undergraduate education’’ means a postsecondary 
program of study at an institution of higher edu-
cation that— 
(A) leads to an associate’s degree; 
(B) leads to a baccalaureate degree; or 
(C) does not lead to an associate’s or bac-
calaureate degree, but awards or is necessary to 
obtain a certification or licensing credential that 
is required for employment. 
Æ 
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