SIMPLE Act
The source supplies the latest action, but no lifecycle stage.
Latest action (2 Sep 2026): Referred to the Committee on Education and Workforce, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
What this bill does
The SIMPLE Act would amend the Higher Education Act of 1965 to create new notification and automatic enrollment procedures for federal student loan borrowers who fall behind on payments or who are rehabilitating a defaulted loan. Under the bill, the Department of Education would be authorized to obtain a borrower's income information from the IRS (with the borrower able to opt out or provide alternative documentation) in order to notify delinquent borrowers about their loans, available repayment plans, and estimated monthly payments. If a borrower who is 75 days delinquent has not chosen a new plan, the Secretary of Education would automatically place them into the income-driven repayment plan offering the lowest monthly payment for which they qualify, while allowing the borrower to switch plans later. Similar procedures would apply to borrowers rehabilitating defaulted loans after making a set number of payments. The bill also updates related IRS disclosure rules and loan-plan-switching provisions.
This primarily affects federal student loan borrowers who become delinquent (31+ days behind) or who are working to rehabilitate a defaulted loan, as well as the Department of Education and the IRS, which would share and use borrower income data under specified safeguards.
The bill was introduced on September 2, 2026, by Rep. Suzanne Bonamici with several cosponsors, and referred to the House Committees on Education and Workforce and Ways and Means. It has not yet received committee action, floor votes, or Senate consideration; most provisions, if enacted, would take effect July 1, 2028.
Plain-English summary generated by Bill100 AI from the official record. Always verify against the source below.
Timeline
2 Sep 2026
Referred to the Committee on Education and Workforce, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Common questions
- What does H.R. 10220 do?
- The SIMPLE Act would amend the Higher Education Act of 1965 to create new notification and automatic enrollment procedures for federal student loan borrowers who fall behind on payments or who are rehabilitating a defaulted loan. Under the bill, the Department of Education would be authorized to obtain a borrower's income information from the IRS (with the borrower able to opt out or provide alternative documentation) in order to notify delinquent borrowers about their loans, available repayment plans, and estimated monthly payments. If a borrower who is 75 days delinquent has not chosen a new plan, the Secretary of Education would automatically place them into the income-driven repayment plan offering the lowest monthly payment for which they qualify, while allowing the borrower to switch plans later. Similar procedures would apply to borrowers rehabilitating defaulted loans after making a set number of payments. The bill also updates related IRS disclosure rules and loan-plan-switching provisions. This primarily affects federal student loan borrowers who become delinquent (31+ days behind) or who are working to rehabilitate a defaulted loan, as well as the Department of Education and the IRS, which would share and use borrower income data under specified safeguards. The bill was introduced on September 2, 2026, by Rep. Suzanne Bonamici with several cosponsors, and referred to the House Committees on Education and Workforce and Ways and Means. It has not yet received committee action, floor votes, or Senate consideration; most provisions, if enacted, would take effect July 1, 2028.
- Has H.R. 10220 become law?
- The source does not supply a confirmed lifecycle stage for H.R. 10220. Check the latest action and official source below.
- Who sponsored H.R. 10220?
- H.R. 10220 was sponsored by Rep. Bonamici, Suzanne [D-OR-1] (D-OR), with 6 cosponsors.
- What's the latest action on H.R. 10220?
- Referred to the Committee on Education and Workforce, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned. (2 Sep 2026).
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