What does Preamble of HR 6284 do?

This bill, formally titled 'To amend the Higher Education Act of 1965 to provide for a percentage of student loan forgiveness for public service employment, and for other purposes,' aims to modify the Higher Education Act of 1965. The bill intends to establish a system for student loan forgiveness based on public service employment. The bill was introduced in the House of Representatives on November 21, 2025.

What does SHORT TITLE. of HR 6284 do?

This bill is formally titled the Strengthening Loan Forgiveness for Public Service Workers Act.

What does PUBLIC SERVICE LOAN FORGIVENESS PROGRAM. of HR 6284 do?

This section amends Section 455(m) of the Higher Education Act of 1965. It modifies the existing Public Service Loan Forgiveness Program to include loan cancellation for new loans. Beginning after the enactment of the Strengthening Loan Forgiveness for Public Service Workers Act, the Secretary can cancel portions of eligible Federal Direct Loans for borrowers employed in public service. The amount of loan cancellation depends on the number of monthly payments made, with 15% cancellation after 24, 48, 72, and 96 payments, and the remaining balance canceled after 120 payments. The Secretary can certify employment without requiring borrower information if possible, or through a certification form including self-certification and employer verification. All accrued interest is canceled for the year a loan portion is canceled, and interest continues to be canceled during the loan cancellation review process.

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Strengthening Loan Forgiveness for Public Service Workers Act — HR. 6284

Last updated: 11/21/2025 · Introduced: 11/21/2025

Author: Eric Swalwell (D-CA)

TL;DR (AI)

This bill amends the Higher Education Act of 1965 to modify the Public Service Loan Forgiveness Program, providing loan cancellation for new loans.
Borrowers employed in public service will receive partial loan forgiveness after 24, 48, 72, and 96 payments, with the remaining balance canceled after 120 payments.
The bill allows for interest cancellation during the loan forgiveness review process and for the year a loan portion is canceled.

119th Congressin committeeOfficial page

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Includes provisions on preamble, short title., and 1 more.

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