Skip to main content
H.R. 3027 116th Congress House

Student Loan Borrowers’ Bill of Rights Act of 2019

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: May 24, 2019 Introduced by: Frederica S. Wilson Democratic · Florida See on congress.gov
Education BankruptcyCivil actions and liabilityDebt collectionEvidence and witnesses
More subjectsShow fewer subjects
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
Sign in to write a letter Sign in to watch
This bill died when the 116th Congress ended
It never became law before the 116th Congress (2019–2020) 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
May 24, 2019
Introduced in House
May 24, 2019
Referred to the Committee on Education and Labor, and in addition to the Committees on Ways and Means, the Judiciary, and Oversight and 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.
 Ask about this bill AI · grounded in the bill text

Have a question about what this bill does? Ask in plain English; the answer is drawn from the bill's actual text and official record, and it'll tell you when something isn't in the text rather than guess.

AI answers can be imperfect; always confirm against the full bill text.

 Latest action May 24, 2019

Referred to the Committee on Education and Labor, and in addition to the Committees on Ways and Means, the Judiciary, and Oversight and 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 2019

This bill permits a borrower to discharge a student loan in a bankruptcy case and establishes requirements concerning (1) student loan debt collection, (2) student loan forgiveness, (3) options for student loan payments, (4) the exclusion of discharged student loan debt from an individual's gross income, and (5) loan defaults.

Specifically, the bill allows federal or private student loans to be discharged in bankruptcy cases and reinstates the six-year statute of limitations for certain student loans.

The Department of Education must cancel 50% of the balance of the interest and principal due on student loans for borrowers who make 60 monthly payments on such loans after October 1, 2019, and work at a public service job for 5 years during the repayment period.

In addition, the bill protects borrowers from efforts to collect student loan debt from (1) offsets of Social Security, railroad retirement, or black lung benefits; (2) wage garnishment; or (3) offsets of tax refunds.

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.

The bill makes parent PLUS loans eligible for income-based repayment plans.

Finally, the bill prohibits evidence of an individual's default on a federal student loan from being used (1) in proceedings involving the individual's professional or vocational license, or (2) to prohibit the individual from accessing transcripts and degrees.

 Related & companion bills 1
  • HR 3630 Reintroduction of Student Loan Borrowers' Bill of Rights Act of 2017
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 4
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 3027: Student Loan Borrowers’ Bill of Rights Act of 2019. 116th Congress. Open America. https://openamerica.io/bill/116-HR-3027/
MLA
"H.R. 3027: Student Loan Borrowers’ Bill of Rights Act of 2019." 116th Congress, 2026, Open America, https://openamerica.io/bill/116-HR-3027/.
Bluebook (legal)
H.R. 3027, 116th Cong. (2026), https://openamerica.io/bill/116-HR-3027/.
Markdown link
[H.R. 3027: Student Loan Borrowers’ Bill of Rights Act of 2019](https://openamerica.io/bill/116-HR-3027/)
Report a problem