Contact Congress about S. 1863: VALOR Act of 2025

Some service members and NOAA officers could get credit toward student loan forgiveness while their payments are paused. The bill would also make it easier for them to qualify if they sign up for PSLF later.

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VALOR Act of 2025 is a Senate bill in committee. The latest recorded action: Read twice and referred to the Committee on Health, Education, Labor, and Pensions.

Latest action on S. 1863: Read twice and referred to the Committee on Health, Education, Labor, and Pensions.

Who this affects: This bill mainly affects federal student loan borrowers who serve on covered active duty. That includes people in the Armed Forces, certain National Guard service, and the National Oceanic and Atmospheric Administration commissioned corps. It also affects the Department of Education, which would have to count and verify these months under PSLF.

Why this matters: This bill matters because active duty service can interrupt student loan payments, and those missed months may slow down loan forgiveness. The bill would let some of those months count anyway for PSLF. That could help some service members and NOAA officers reach forgiveness sooner. The bill does not say how many borrowers would benefit or how much the change would cost.

Key provisions in S. 1863

• The Education Secretary would count some paused loan months toward PSLF. This applies when the pause happened during covered active duty service.
• The bill covers deferments tied to certain National Guard or active duty service. It also covers specific forbearance periods listed in the Higher Education Act.
• Some borrowers would not need 10 years in a separate public service job. They qualify for that waiver if they completed 10 years of full-time covered active duty during the loan period.
• Borrowers with covered active duty in their public service could still get PSLF after signing up late. The bill says timing of enrollment cannot block them if they meet the rules.
• Covered active duty includes active service under Title 10 of the U.S. Code. It also includes full-time active service in the NOAA commissioned corps.

How Modern Action helps you take action on S. 1863

You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.

Questions people ask about S. 1863

What is S. 1863?

Some service members and NOAA officers could get credit toward student loan forgiveness while their payments are paused. The bill would also make it easier for them to qualify if they sign up for PSLF later.

How do I support or oppose S. 1863?

Choose support, oppose, or ask for changes on Modern Action. The action flow drafts the message for you and keeps the wording tied to this bill.

Who should I contact about S. 1863?

Modern Action uses your location to route the action to the congressional offices relevant to the bill and your representation.

Can Modern Action explain S. 1863 before I act?

Yes. Modern Action gives you a plain-English summary, current status, and action context before you send anything.