H.R.3027: Student Loan Borrowers' Bill of Rights Act of 2019


H.R. 3027 would impose a six-year statute of limitations on lenders to enforce collection of defaulted student loan.

The legislation would also prohibit “administrative offset,” or the withholding of the payment of other federal benefits to collect on a defaulted loan. Lending institutions would also be prohibited from filing actions for wage garnishment to collect student loans that are in default.

Variable repayment plans (standard, graduated, extended, and income contingent) would be available to PLUS loan borrowers under this bill.

The bill would provide protections against revocation of professional licenses or the ability to obtain college transcripts for borrowers who have defaulted.

The bill would also provide 50 percent loan forgiveness of eligible loan balances after five years of public service employment.

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Talking Points

  • The National Assembly supports these proposed changes to the Higher Education Act (HEA) because they would help make college more affordable, provide opportunities for students to become high-quality educators themselves, aid K-12 students in preparation for higher education, help low-income students afford college, and incentivize careers in public service such as human services.

Our Stance




Bill Number


Date Introduced

May 24, 2019


House Oversight and Reform Committee

Bill Status

Introduced or Prefiled