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H.R. 4594House118th Congress (2023-2025)In Committee

Clean Slate through Rehabilitation Act

Sponsored by Nikema WilliamsRep. Nikema Williams (D-GA)
Introduced July 12, 2023

AI-Generated Summary

Updated January 20, 2026 at 9:51 AM UTC

The Clean Slate through Rehabilitation Act changes the Higher Education Act so that when a borrower successfully rehabilitates a federal student loan, all negative credit entries tied to that loan are erased from their credit report, not just the default record. This helps borrowers who have fixed their loan status improve their credit standing.

Key Provisions

  • Amends Section 428F(a)(1)(C) of the Higher Education Act to replace the phrase “to remove the record of the default from the borrower's credit history” with “to remove any adverse item of information relating to such loan from the borrower's credit history.”

Legislative Activity

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1 earlier action
HouseIntro Referral Latest Action

Referred to the House Committee on Education and the Workforce.

Education and Workforce Committee

July 12, 2023

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HouseIntro Referral

Introduced in House

July 12, 2023

HouseIntro Referral

Referred to the House Committee on Education and the Workforce.

Education and Workforce Committee

July 12, 2023

Bill Text

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Introduced in HouseIssued July 12, 2023

I

118th CONGRESS

1st Session

H. R. 4594

IN THE HOUSE OF REPRESENTATIVES

July 12, 2023

Ms. Williams of Georgia (for herself, Ms. Adams, Ms. Ross, and Ms. Stevens) introduced the following bill; which was referred to the Committee on Education and the Workforce

A BILL

To amend the Higher Education Act of 1965 to remove all adverse credit history related to a loan from the credit history of a borrower who has rehabilitated the loan.

1.

Short title

This Act may be cited as the Clean Slate through Rehabilitation Act.

2.

Default reduction program

Section 428F(a)(1)(C) of the Higher Education Act of 1965 (20 U.S.C. 1078–6(a)(1)(C)) is amended by striking to remove the record of the default from the borrower's credit history and inserting to remove any adverse item of information relating to such loan from the borrower’s credit history.