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H.R. 3630 115th Congress House

Student Loan Borrowers' Bill of Rights Act of 2017

Official title: To establish student loan borrowers' rights to basic consumer protections, reasonable and flexible repayment options, access to earned credentials, and effecti… Show full official titleShow less

Official title: To establish student loan borrowers' rights to basic consumer protections, reasonable and flexible repayment options, access to earned credentials, and effective loan cancellation in exchange for public service, and for other purposes.

Introduced: July 28, 2017 Introduced by: Frederica S. Wilson Democratic · Florida See on congress.gov
Education BankruptcyCivil actions and liabilityDebt collectionEvidence and witnesses
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Government employee pay, benefits, personnel managementGovernment lending and loan guaranteesHigher educationIncome tax exclusionLicensing and registrationsStudent aid and college costsStudent recordsTax administration and collection, taxpayersWages and earnings
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This bill died when the 115th Congress ended
It never became law before the 115th Congress (2017–2018) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jul 28, 2017
Referred to the Committee on Education and the Workforce, and in addition to the Committees on Ways and Means, the Judiciary, and Oversight and Government Reform, 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.
Jul 28, 2017
Introduced in House
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 Latest action July 28, 2017

Referred to the Committee on Education and the Workforce, and in addition to the Committees on Ways and Means, the Judiciary, and Oversight and Government Reform, 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.

 Plain-English summary Congressional Research Service

Student Loan Borrowers' Bill of Rights Act of 2017

This bill allows educational loans to be discharged in bankruptcy cases.

In addition, the bill amends title IV (Student Assistance) of the Higher Education Act of 1965 to reinstate the six-year statute of limitations for certain student loans.

The bill prohibits the collection of amounts individuals owe the Department of Education (ED) under title IV through: (1) offsets of Social Security, railroad retirement, or black lung benefits; (2) offsets of tax refunds; or (3) wage garnishment.

The bill amends the Internal Revenue Code to (1) exclude discharged student loan debt from an individual's gross income, and (2) allow distributions from qualified tuition programs (known as 529 plans) to be used for student loan payments.

Parents with certain PLUS loans made on behalf of dependent students are now eligible for income-based repayment plans.

The bill prohibits: (1) evidence of an individual's default on a loan made, insured, or guaranteed under title IV from being used in a federal or state proceeding involving the individual's professional or vocational license; or (2) institutions of higher education from blocking students' access to their student records due to loan default.

ED must cancel 50% of the balance of the interest and principal due on direct loans that are not in default for borrowers who are employed in a public service job for five years during repayment and make 60 monthly payments on such loans after October 1, 2017.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 4
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APA
U.S. Congress. (2026). H.R. 3630: Student Loan Borrowers' Bill of Rights Act of 2017. 115th Congress. Open America. https://openamerica.io/bill/115-HR-3630/
MLA
"H.R. 3630: Student Loan Borrowers' Bill of Rights Act of 2017." 115th Congress, 2026, Open America, https://openamerica.io/bill/115-HR-3630/.
Bluebook (legal)
H.R. 3630, 115th Cong. (2026), https://openamerica.io/bill/115-HR-3630/.
Markdown link
[H.R. 3630: Student Loan Borrowers' Bill of Rights Act of 2017](https://openamerica.io/bill/115-HR-3630/)
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