Public Service Loan Forgiveness Inclusion Act of 2026
The source supplies the latest action, but no lifecycle stage.
Latest action (4 Sep 2026): Referred to the House Committee on Education and Workforce.
What this bill does
H.R. 10298, the Public Service Loan Forgiveness Inclusion Act of 2026, would amend the Higher Education Act of 1965 to change which loan payments count toward the Public Service Loan Forgiveness (PSLF) program. Under the bill, a borrower's first 60 monthly payments under certain repayment plans would count toward PSLF regardless of the payment amount, while later payments would need to meet a specified minimum tied to a 10-year repayment calculation. Payments made under the standard repayment plan would also qualify. In addition, months during which loan payments are suspended due to administrative forbearance would count as qualifying payments if the borrower is employed in public service during that time.
The bill primarily affects federal student loan borrowers working in public service jobs who are pursuing PSLF, particularly those whose early payments may have been low or who experienced administrative forbearance. The Department of Education would be required, within 180 days of enactment, to notify affected borrowers of these changes and explain how to switch repayment plans. The eased rules for the first 60 payments would apply to borrowers who have made fewer than 120 qualifying payments as of enactment.
The bill was introduced on September 4, 2026, by Rep. Bill Foster with several cosponsors and referred to the House Committee on Education and Workforce. It has not yet received a committee vote, floor vote, or further action, and would need to pass both the House and Senate and be signed by the President to become law.
Plain-English summary generated by Bill100 AI from the official record. Always verify against the source below.
Timeline
4 Sep 2026
Referred to the House Committee on Education and Workforce.
Common questions
- What does H.R. 10298 do?
- H.R. 10298, the Public Service Loan Forgiveness Inclusion Act of 2026, would amend the Higher Education Act of 1965 to change which loan payments count toward the Public Service Loan Forgiveness (PSLF) program. Under the bill, a borrower's first 60 monthly payments under certain repayment plans would count toward PSLF regardless of the payment amount, while later payments would need to meet a specified minimum tied to a 10-year repayment calculation. Payments made under the standard repayment plan would also qualify. In addition, months during which loan payments are suspended due to administrative forbearance would count as qualifying payments if the borrower is employed in public service during that time. The bill primarily affects federal student loan borrowers working in public service jobs who are pursuing PSLF, particularly those whose early payments may have been low or who experienced administrative forbearance. The Department of Education would be required, within 180 days of enactment, to notify affected borrowers of these changes and explain how to switch repayment plans. The eased rules for the first 60 payments would apply to borrowers who have made fewer than 120 qualifying payments as of enactment. The bill was introduced on September 4, 2026, by Rep. Bill Foster with several cosponsors and referred to the House Committee on Education and Workforce. It has not yet received a committee vote, floor vote, or further action, and would need to pass both the House and Senate and be signed by the President to become law.
- Has H.R. 10298 become law?
- The source does not supply a confirmed lifecycle stage for H.R. 10298. Check the latest action and official source below.
- Who sponsored H.R. 10298?
- H.R. 10298 was sponsored by Rep. Foster, Bill [D-IL-11] (D-IL), with 9 cosponsors.
- What's the latest action on H.R. 10298?
- Referred to the House Committee on Education and Workforce. (4 Sep 2026).
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