[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 1759 Introduced in House (IH)]
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119th CONGRESS
1st Session
H. R. 1759
To amend the Higher Education Act of 1965 to allow borrowers of Parent
PLUS loans or loans under section 428B made on behalf of a dependent
student to repay such loans pursuant to an income-contingent repayment
plan or income-based repayment plan, and for other purposes.
_______________________________________________________________________
IN THE HOUSE OF REPRESENTATIVES
February 27, 2025
Ms. Waters (for herself, Ms. Adams, Ms. Bynum, Mr. Carson, Mr. Davis of
Illinois, Mr. Doggett, Ms. Jayapal, Ms. Johnson of Texas, Ms.
McClellan, Mrs. McIver, Ms. Norton, Mr. Olszewski, Mrs. Ramirez, Ms.
Schakowsky, Ms. Sewell, Ms. Stansbury, Mr. Swalwell, Mr. Thanedar, Mr.
Thompson of Mississippi, and Ms. Tlaib) introduced the following bill;
which was referred to the Committee on Education and Workforce
_______________________________________________________________________
A BILL
To amend the Higher Education Act of 1965 to allow borrowers of Parent
PLUS loans or loans under section 428B made on behalf of a dependent
student to repay such loans pursuant to an income-contingent repayment
plan or income-based repayment plan, and for other purposes.
Be it enacted by the Senate and House of Representatives of the
United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the ``Affordable PLUS Repayment Options
for Parents Act of 2025''.
SEC. 2. INCOME-CONTINGENT REPAYMENT PLAN.
Section 455 of the Higher Education Act of 1965 (20 U.S.C. 1087e)
is amended--
(1) in subsection (d)(1)(D), by striking ``, except that
the plan described in this subparagraph shall not be available
to the borrower of a Federal Direct PLUS loan made on behalf of
a dependent student''; and
(2) in subsection (e)(1), by inserting at the end the
following: ``An income contingent repayment plan under this
subsection shall be available to a borrower of a Federal Direct
PLUS loan made on behalf of a dependent student or a Federal
Direct Consolidation Loan the proceeds of which were used to
discharge the liability on such a Federal Direct PLUS loan.''.
SEC. 3. INCOME-BASED REPAYMENT PLAN.
(a) Clarification of IBR.--Section 455(d)(1)(E) of such Act (20
U.S.C. 1087e(d)(1)(E)) is amended by striking ``, except that the plan
described in this subparagraph shall not be available to the borrower
of a Federal Direct PLUS Loan made on behalf of a dependent student or
a Federal Direct Consolidation Loan, if the proceeds of such loan were
used to discharge the liability on such Federal Direct PLUS Loan or a
loan under section 428B made on behalf of a dependent student''.
(b) IBR.--Section 493C of the Higher Education Act of 1965 (20
U.S.C. 1098e) is amended--
(1) by amending subsection (a) to read as follows:
``(a) Definition.--In this section, the term `partial financial
hardship', when used with respect to a borrower, means that for such
borrower--
``(1) the annual amount due on the total amount of loans
made, insured, or guaranteed under part B or D to a borrower as
calculated under the standard repayment plan under section
428(b)(9)(A)(i) or 455(d)(1)(A), based on a 10-year repayment
period; exceeds
``(2) 15 percent of the result obtained by calculating, on
at least an annual basis, the amount by which--
``(A) the borrower's, and the borrower's spouse's
(if applicable), adjusted gross income; exceeds
``(B) 150 percent of the poverty line applicable to
the borrower's family size as determined under section
673(2) of the Community Services Block Grant Act (42
U.S.C. 9902(2)).'';
(2) in subsection (b)--
(A) in paragraph (1), by striking ``(other than an
excepted PLUS loan or excepted consolidation loan)'';
(B) in paragraph (6)(A), by striking ``(other than
an excepted PLUS loan or excepted consolidation
loan)''; and
(C) in paragraph (7), by striking ``(other than a
loan under section 428B or a Federal Direct PLUS
Loan)''; and
(3) in subsection (c)--
(A) in paragraph (1), by striking ``(other than an
excepted PLUS loan or excepted consolidation loan),'';
and
(B) in paragraph (2)(B), by striking ``(other than
an excepted PLUS loan or excepted consolidation
loan)''.
SEC. 4. EFFECTIVE DATE AND APPLICATION.
The amendments made by this Act shall take effect on the date of
enactment of this Act, and shall apply with respect to each borrower
who, on or after such date--
(1) has an outstanding balance on a Federal Direct PLUS
Loan (or a loan under section 428B) made on behalf of a
dependent student or a Federal Direct Consolidation Loan the
proceeds of which were used to discharge the liability on such
a Federal Direct PLUS loan (or on such a loan under section
428B); and
(2) is repaying or will repay such loan pursuant to an
income-contingent repayment plan under section 455(e) of the
Higher Education Act of 1965 (20 U.S.C. 1087e(e)) or an income-
based repayment plan under section 493C of such Act (20 U.S.C.
1098e).
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