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H.R. 4395 116th Congress House

Clean Slate through Consolidation Act

Official title: To amend the Higher Education Act of 1965 to require the removal of the record of default from credit history upon obtaining a Federal Direct Consolidation Loan that discharges the defaulted loan.

Introduced: September 19, 2019 Introduced by: Haley M. Stevens Democratic · Michigan See on congress.gov
Education Consumer creditGovernment information and archivesGovernment lending and loan guaranteesStudent aid and college costs
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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
Sep 19, 2019
Referred to the House Committee on Education and Labor.
Sep 19, 2019
Introduced in House
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 Latest action September 19, 2019

Referred to the House Committee on Education and Labor.

 Plain-English summary Congressional Research Service

Clean Slate through Consolidation Act

This bill requires the Department of Education (ED) to have a record of default removed from a borrower's credit history in certain circumstances.

Specifically, when a borrower obtains a Federal Direct Consolidation Loan discharging the borrower's liability on a defaulted student loan, ED must request a consumer reporting agency remove the record of default from the borrower's credit history.

 Related & companion bills 1
  • HR 4396 Clean Slate through Repayment Act of 2019
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
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APA
U.S. Congress. (2026). H.R. 4395: Clean Slate through Consolidation Act. 116th Congress. Open America. https://openamerica.io/bill/116-HR-4395/
MLA
"H.R. 4395: Clean Slate through Consolidation Act." 116th Congress, 2026, Open America, https://openamerica.io/bill/116-HR-4395/.
Bluebook (legal)
H.R. 4395, 116th Cong. (2026), https://openamerica.io/bill/116-HR-4395/.
Markdown link
[H.R. 4395: Clean Slate through Consolidation Act](https://openamerica.io/bill/116-HR-4395/)
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