HB4635: Clean Slate through Repayment Act of 2023
- 1Introduced (current step)
- 2Passed One Chamber
- 3Passed Both Chambers
- 4Became Law
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Bill information
Summary
To amend the Higher Education Act of 1965 to remove the record of default on a loan made, insured, or guaranteed under title IV from a borrower's credit history upon repayment of the full amount due on such loan.
Plain-language summary
This bill would let borrowers remove a default mark from their credit report after they fully repay a federal student loan. A default mark damages credit scores and makes it harder to borrow money in the future. The bill applies to loans made under Title IV of the Higher Education Act, which covers most federal student loans. Currently, borrowers must wait years after repaying to have defaults removed from their records. The bill is in the introduction stage and has not yet been assigned to a .
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HB4635: Clean Slate through Repayment Act of 2023
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Sponsors
Deborah Ross
Primary SponsorCo-sponsors (8)
Haley Stevens
Nikema Williams
Alma Adams
Henry Johnson
Eleanor Norton