Public Service Loan Forgiveness Inclusion Act of 2026

This bill changes the rules for which federal Direct Loan payments count toward Public Service Loan Forgiveness. Under the bill, the first 60 monthly payments under certain repayment plans would count no matter the amount, and later payments would count if they are at least the amount due under a 10-year standard plan. Payments under the new standard repayment plan would also count. Months when a borrower's payments are paused by administrative forbearance while working in a public service job would count as monthly payments. The Secretary of Education would have to tell borrowers about these changes and how to switch repayment plans within 180 days.

Full text and official record on Congress.gov

Sponsors

• Bill Foster Democrat sponsor
• 9 cosponsors