Public service workers with new federal Direct Loans could get loan forgiveness in stages. They would not have to wait 10 years to see any balance canceled. The bill would also cancel certain interest while forgiveness is being processed.
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Strengthening Loan Forgiveness for Public Service Workers Act 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. 3277: Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
Who this affects: This bill mainly affects people who take out new federal Direct Loans and work in qualifying public service jobs. That can include workers in government, public schools, nonprofit organizations, and other jobs that count under current Public Service Loan Forgiveness rules. It could also affect the Education Department, because the agency would have to track work history, process partial cancellations, and cancel certain interest. People with older loans would not get the new step-by-step forgiveness under this bill.
Why this matters: Public service workers now may wait 10 years before seeing any loan balance forgiven. This bill would give eligible workers smaller rounds of forgiveness earlier. That could make budgets easier to plan and could make public service jobs more attractive. It could also increase federal costs and create two sets of rules: one for new loans and one for older loans.
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