I 
112TH CONGRESS 
1ST SESSION 
H. R. 85 
To amend the Higher Education Act of 1965 to expand teacher loan 
forgiveness. 
IN THE HOUSE OF REPRESENTATIVES 
JANUARY 5, 2011 
Mr. BACA introduced the following bill; which was referred to the Committee 
on Education and the Workforce 
A BILL 
To amend the Higher Education Act of 1965 to expand 
teacher loan forgiveness. 
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 Education As-
sistance Creating Hope for Our Future Act of 2011’’ or 
the ‘‘TEACH for Our Future Act of 2011’’. 
SEC. 2. FFEL PROGRAM LOAN FORGIVENESS FOR TEACH-
ERS. 
Section 428J of the Higher Education Act of 1965 
(20 U.S.C. 1078–10) is amended— 
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(1) by amending subsection (b) to read as fol-
lows: 
‘‘(b) PROGRAM AUTHORIZED.—The Secretary shall 
carry out a program, through the holder of the loan, of 
assuming the obligation to repay a qualified loan amount 
for a loan made under section 428 or 428H, in accordance 
with subsection (c), for any borrower— 
‘‘(1) who— 
‘‘(A) has been employed as a full-time ele-
mentary school or secondary school teacher for 
5 consecutive complete school years at any pub-
lic school; or 
‘‘(B) is a new borrower on or after October 
1, 1998, and who has been employed as a full- 
time private school teacher for 5 consecutive 
complete school years— 
‘‘(i) in a school that qualifies under 
section 465(a)(2)(A) for loan cancellation 
for Perkins loan recipients who teach in 
such schools; and 
‘‘(ii) if employed as an elementary 
school or secondary school teacher, is high-
ly qualified as defined in section 9101 of 
the Elementary Secondary Education Act 
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of 1965, or meets the requirements of sub-
section (g)(3); and 
‘‘(2) who is not in default on a loan for which 
the borrower seeks forgiveness.’’; 
(2) in subsection (c)— 
(A) by amending paragraph (1) to read as 
follows: 
‘‘(1) IN GENERAL.—Of the loan obligation on a 
loan made under section 428 or 428H that is out-
standing after the completion of the fifth complete 
school year of teaching described in subsection 
(b)(1), the Secretary shall repay not more than— 
‘‘(A) $25,000 in the aggregate for a bor-
rower described in subsection (b)(1)(A); and 
‘‘(B) $5,000 in the aggregate for a bor-
rower described in subsection (b)(1)(B), except 
as provided in paragraph (3) of this sub-
section.’’; and 
(B) in paragraph (3)— 
(i) in the header, by inserting ‘‘PRI-
VATE SCHOOL’’ before ‘‘TEACHERS’’; 
(ii) in subparagraph (A)(i), by strik-
ing ‘‘subsection (b)’’ and inserting ‘‘sub-
section (b)(1)(B)’’; 
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(iii) in subparagraph (B)(i), by strik-
ing ‘‘subsection (b)’’ and inserting ‘‘sub-
section (b)(1)(B)’’; and 
(iv) in subparagraph (B)(iii), by strik-
ing ‘‘public or’’ before ‘‘non-profit’’; and 
(3) in subsection (g)— 
(A) in paragraph (1)(A), by striking 
‘‘(b)(1)(A)’’ and inserting ‘‘(b)(1)(B)(i)’’; and 
(B) 
in 
paragraph 
(3), 
by 
striking 
‘‘(b)(1)(B)’’ and inserting ‘‘(b)(1)(B)(ii)’’. 
SEC. 3. DIRECT LOAN PROGRAM LOAN FORGIVENESS FOR 
TEACHERS. 
Section 460 of the Higher Education Act of 1965 (20 
U.S.C. 1087j) is amended— 
(1) by amending section (b) to read as follows: 
‘‘(b) PROGRAM AUTHORIZED.—The Secretary shall 
carry out a program of canceling the obligation to repay 
a qualified loan amount in accordance with subsection (c) 
for Federal Direct Stafford Loans and Federal Direct Un-
subsidized Stafford Loans made under this part for any 
borrower— 
‘‘(1) who— 
‘‘(A) has been employed as a full-time ele-
mentary school or secondary school teacher for 
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5 consecutive complete school years at any pub-
lic school; or 
‘‘(B) is a new borrower on or after October 
1, 1998, and who has been employed as a full- 
time private school teacher for 5 consecutive 
complete school years— 
‘‘(i) in a school that qualifies under 
section 465(a)(2)(A) for loan cancellation 
for Perkins loan recipients who teach in 
such schools; and 
‘‘(ii) if employed as an elementary 
school or secondary school teacher, is high-
ly qualified as defined in section 9101 of 
the Elementary Secondary Education Act 
of 1965, or meets the requirements of sub-
section (g)(3); and 
‘‘(2) who is not in default on a loan for which 
the borrower seeks forgiveness.’’; 
(2) in subsection (c)— 
(A) by amending paragraph (1) to read as 
follows: 
‘‘(1) IN GENERAL.—Of the loan obligation on a 
Federal Direct Stafford Loan or a Federal Direct 
Unsubsidized Stafford Loan that is outstanding 
after the completion of the fifth complete school year 
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of teaching described in subsection (b)(1), the Sec-
retary shall cancel not more than— 
‘‘(A) $25,000 in the aggregate for a bor-
rower described in subsection (b)(1)(A); and 
‘‘(B) $5,000 in the aggregate for a bor-
rower described in subsection (b)(1)(B), except 
as provided in paragraph (3) of this sub-
section.’’; and 
(B) in paragraph (3)— 
(i) in the header, by inserting ‘‘PRI-
VATE SCHOOL’’ before ‘‘TEACHERS’’; 
(ii) in subparagraph (A)(i), by strik-
ing ‘‘subsection (b)(1)’’ and inserting 
‘‘subsection (b)(1)(B)’’; 
(iii) in subparagraph (B)(i), by strik-
ing ‘‘subsection (b)(1)’’ and inserting 
‘‘subsection (b)(1)(B)’’; and 
(iv) in subparagraph (B)(iii), by strik-
ing ‘‘public or’’ before ‘‘non-profit’’; and 
(3) in subsection (g)— 
(A) in paragraph (1)(A), by striking 
‘‘(b)(1)(A)’’ and inserting ‘‘(b)(1)(B)(i)’’; and 
(B) 
in 
paragraph 
(3), 
by 
striking 
‘‘(b)(1)(A)(ii)’’ and inserting ‘‘(b)(1)(B)(ii)’’. 
Æ 
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