H.R. 8356

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 8356 Introduced in House (IH)]

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119th CONGRESS
2d Session
H. R. 8356

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.

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IN THE HOUSE OF REPRESENTATIVES

April 16, 2026

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

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A BILL

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.

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 Consolidation 
Act''.

SEC. 2. REMOVAL OF RECORD OF DEFAULT FROM CREDIT HISTORY UPON LOAN 
CONSOLIDATION.

Section 455(g) of the Higher Education Act of 1965 (20 U.S.C. 
1087e(g)) is amended by adding at the end the following:
``(4) Consumer reporting agencies.--With respect to a 
borrower who obtains a Federal Direct Consolidation Loan that 
discharges the liability on a defaulted loan made, insured, or 
guaranteed under this title, the Secretary, guaranty agency, or 
other holder of such loan shall request that any consumer 
reporting agency to which the default was reported remove the 
default from the borrower's credit history.''.
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