H.R. 8351

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 8351 Introduced in House (IH)]

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119th CONGRESS
2d Session
H. R. 8351

To amend the Higher Education Act of 1965 to remove from a borrower's 
credit history the record of default on a defaulted loan made, insured, 
or guaranteed under title IV of such Act upon repayment of the full 
amount due on such loan, and for other purposes.

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IN THE HOUSE OF REPRESENTATIVES

April 16, 2026

Ms. Ross (for herself, Ms. Stevens, Ms. Williams of Georgia, and Ms. 
Adams) 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 remove from a borrower's 
credit history the record of default on a defaulted loan made, insured, 
or guaranteed under title IV of such Act upon repayment of the full 
amount due on such loan, and for other purposes.

Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

This Act may be cited as the ``Clean Slate through Repayment Act of 
2026''.

SEC. 2. REMOVAL OF RECORD OF DEFAULT.

Part G of title IV of the Higher Education Act of 1965 (20 U.S.C. 
1088 et seq.) is amended by adding at the end the following:

``SEC. 494A. REMOVAL OF RECORD OF DEFAULT.

``With respect to a borrower who repays in full the amount due on a 
defaulted loan made, insured, or guaranteed under this title, the 
Secretary, guaranty agency, or other holder of the loan, as applicable, 
shall request that any consumer reporting agency to which the default 
was reported remove the default (and any related adverse information) 
from such borrower's credit history.''.
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