Public service workers could qualify for student loan forgiveness after 96 monthly payments instead of 120. The bill would also count more kinds of public service work and stop some unpaid interest from being added to loan balances.
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SERVICE Act is a House bill in committee. The latest recorded action: Referred to the House Committee on Education and Workforce.
Latest action on H.R. 2829: Referred to the House Committee on Education and Workforce.
Who this affects: This bill mainly affects federal student loan borrowers who work in public service, such as government, school, nonprofit, health, and similar public-facing jobs. It also matters for some independent contractors and nontenure-track college instructors who may not fit the usual full-time employee model. The Department of Education would have to run new borrower tools, job lists, denial reviews, and payment-count rules.
Why this matters: Student loan borrowers in public service could get debt relief sooner and with clearer rules. Today, borrowers can lose time because of confusing payment rules, work definitions, or loan statuses. This bill would count more months, protect months already approved, and give borrowers a clearer way to check progress. It could also lower balance growth for borrowers who use deferment or forbearance.
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