H.R. 10298 – Public Service Loan Forgiveness Inclusion Act of 2026

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Updated September 9, 2026 at 3:30 PM UTC

The Public Service Loan Forgiveness Inclusion Act of 2026 changes the rules for the Public Service Loan Forgiveness (PSLF) program. It expands which monthly payments count toward forgiveness for borrowers working in public service, including payments made during administrative forbearance and certain repayment plans. The Education Department must inform affected borrowers of the new rules within 180 days of enactment.

Key Provisions

Allows the first 60 monthly payments under a PSLF‑eligible repayment plan to count toward forgiveness regardless of the payment amount.
Requires each subsequent payment to be at least the amount calculated for a 10‑year repayment schedule.
Adds the standard repayment plan and payments made while the borrower is in administrative forbearance (if employed in public service) as qualifying payments.
Mandates the Secretary of Education to notify borrowers about these changes and how to switch repayment plans within 180 days of the law taking effect.
Applies the new payment‑counting rules to borrowers who have made fewer than 120 qualifying payments after the law’s enactment.

Legislative Activity

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1 earlier action

HouseIntro Referral Latest Action

Referred to the House Committee on Education and Workforce.

Education and Workforce Committee

September 4, 2026

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HouseIntro Referral

Introduced in House

September 4, 2026

HouseIntro Referral

Referred to the House Committee on Education and Workforce.

Education and Workforce Committee

September 4, 2026

Bill Text

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Introduced in HouseIssued September 4, 2026

I

119th CONGRESS

2d Session

H. R. 10298

IN THE HOUSE OF REPRESENTATIVES

September 4, 2026

Mr. Foster (for himself, Mr. Fitzpatrick, Ms. Adams, Mr. Bishop, Mr. Carson, Ms. Clarke of New York, Ms. Craig, Mr. Figures, Mr. García of Illinois, and Ms. Norton) introduced the following bill; which was referred to the Committee on Education and Workforce

A BILL

To amend the Higher Education Act of 1965 to allow certain payments made by public service employees to qualify for public service repayment, and for other purposes.

1.

Short title

This Act may be cited as the Public Service Loan Forgiveness Inclusion Act of 2026.

2.

Qualifying payments

(a)

In general

Section 455(m)(1)(A) of the Higher Education Act of 1965 (20 U.S.C. 1087e(m)(1)(A)) is amended—

(1)

by amending clause (iii) to read as follows:

(iii)

monthly payments under a repayment plan under subsection (d)(1) or (g)—

(I)

with respect to the first 60 monthly payments, without regard to the amount of such payment; and

(II)

with respect to each subsequent monthly payment, of not less than the monthly amount calculated under subsection (d)(1)(A), based on a 10-year repayment period;

;

(2)

in clause (iv), by striking or at the end;

(3)

in clause (v), by striking and at the end and inserting or; and

(4)

by adding at the end the following:

(vi)

monthly payments under the standard repayment plan under subsection (d)(7)(A)(i); and

.

(b)

Suspended payments

Section 455(m)(3) of the Higher Education Act of 1965 (20 U.S.C. 1087e(m)(3)) is amended by adding at the end the following:

(C)

Monthly payment

The term monthly payment includes a payment described in clauses (i) through (vi) of paragraph (1)(A) that would have been made by a borrower for a month during any period in which—

(i)

repayment is suspended by reason of administrative forbearance; and

(ii)

the borrower is employed in a public service job.

.

(c)

Notification to borrowers; applicability

(1)

Notification

Not later than 180 days after the date of the enactment of this Act, the Secretary of Education shall—

(A)

inform each borrower of a loan made under part D of title IV of the Higher Education Act of 1965 (20 U.S.C. 1087a et seq.) of—

(i)

subclause (I) of section 455(m)(1)(A)(iii) of the Higher Education Act of 1965 (20 U.S.C. 1087e(m)(1)(A)(iii)), as added by this Act;

(ii)

subparagraph (C) of section 455(m)(3) of the Higher Education Act of 1965 (20 U.S.C. 1087e(m)(3)), as added by this Act; and

(iii)

the effect of such subclause and such subparagraph on loan cancellation under section 455(m) (20 U.S.C. 1087e(m)); and

(B)

provide information to such borrowers on how to change repayment plans.

(2)

Applicability

The amendment made by subsection (a) with respect to payment amounts of the first 60 monthly payments under section 455(m) of the Higher Education Act of 1965 (20 U.S.C. 1087e(m)) shall apply to borrowers who, on or after the date of the enactment of this section, have made fewer than 120 monthly payments pursuant to such section.