I 
118TH CONGRESS 
2D SESSION H. R. 10226 
To amend the Higher Education Act of 1965 to ensure that members of 
the reserve components of the Armed Forces who perform duty other 
than active duty for a period of more than 30 days receive appropriate 
credit toward public service loan forgiveness, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
NOVEMBER 21, 2024 
Mr. MAGAZINER (for himself and Mr. KELLY of Mississippi) 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 ensure 
that members of the reserve components of the Armed 
Forces who perform duty other than active duty for 
a period of more than 30 days receive appropriate credit 
toward public service loan forgiveness, and for other pur-
poses. 
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 ‘‘National Guard and 
Reserve Student Loan Fairness Act’’. 
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SEC. 2. SPECIAL RULE FOR MEMBERS OF THE RESERVE 
COMPONENTS OF THE ARMED FORCES PER-
FORMING CERTAIN DUTY. 
Section 455(m) of the Higher Education Act of 1965 
(20 U.S.C. 1087e(m)) is amended by adding at the end 
the following: 
‘‘(5) SPECIAL RULE FOR A MEMBER OF THE 
RESERVE
COMPONENTS
OF
THE
ARMED
FORCES 
PERFORMING CERTAIN DUTY.— 
‘‘(A) CALCULATION OF QUALIFYING PAY-
MENTS BASED ON MONTHS SERVED.—With re-
spect to a borrower who is a member of a re-
serve component of an Armed Force, the Sec-
retary shall deem a month of covered duty (as 
calculated under subparagraph (B)) to be a 
month for which a qualifying payment was 
made under paragraph (1) if— 
‘‘(i) except as provided in subpara-
graph (D)(ii), for each month of such cov-
ered duty (as so calculated), during the 
year in which such month occurred, the 
borrower made a corresponding monthly 
payment on an eligible Federal Direct 
Loan; and 
‘‘(ii) such corresponding monthly pay-
ment— 
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‘‘(I) met the requirements of 
paragraph (1); or 
‘‘(II) in the case of a borrower 
not employed full-time in a public 
service job at the time the payment 
was made, such payment would have 
met the requirements of paragraph 
(1) had the borrower been employed 
full-time in a public service job at the 
time of such payment. 
‘‘(B) CALCULATION OF MONTHS OF COV-
ERED DUTY.—Except as provided in subpara-
graph (C), the number of months that a bor-
rower described in subparagraph (A) shall be 
considered to have performed covered duty in a 
year for purposes of subparagraph (A) shall be 
equal to— 
‘‘(i) the number days the member per-
formed covered duty in such year, divided 
by 
‘‘(ii) twenty; and 
‘‘(iii) rounded to the nearest whole 
number. 
‘‘(C) MINIMUM PERIOD.—A borrower de-
scribed in subparagraph (A) who performed 
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covered duty for a total period of less than 10 
days in a year may not receive credit for a 
qualifying monthly payment under this para-
graph. 
‘‘(D) NO
ANNUAL
CAP
ON
NUMBER
OF 
QUALIFYING PAYMENTS CREDITED TO A BOR-
ROWER.— 
‘‘(i) IN
GENERAL.—A borrower de-
scribed in subparagraph (A) may receive 
credit for more than 12 qualifying monthly 
payments in a year if each such payment 
qualifies to be counted under this para-
graph or paragraph (1). 
‘‘(ii) EXCEPTION
TO
REQUIREMENT 
FOR
CORRESPONDING
MONTHLY
PAY-
MENT.—The requirement for a borrower to 
make a corresponding payment for each 
month credited as qualifying payment 
under this paragraph, as described in 
clauses (i) and (ii) of subparagraph (A), 
shall not apply to any qualifying payment 
in excess of the twelfth payment credited 
to a borrower for a year. 
‘‘(E) DEFINITIONS.—In this paragraph: 
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‘‘(i) The term ‘covered duty’ means 
any Federal or State duty (including inac-
tive duty training, active duty training, 
and active duty) performed by a member 
of a reserve component of an Armed Force, 
except such term does not include active 
duty for a period of more than 30 days. 
‘‘(ii) The terms ‘Armed Force’ and 
‘active duty for a period of more than 30 
days’ have the meanings given those terms 
in section 101 of title 10, United States 
Code.’’. 
Æ 
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