PlainBillCongress, translated.Legislation. Context. Public interest.Referred to the House Committee on Education and Workforce.
Congressional Research Service
No official summary is available in the imported record yet.
People & committees
Rep. Foster, Bill [D-IL-11] · D–IL
Legislative record
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Referred to the House Committee on Education and Workforce.
Introduced in House
Introduced in House
Primary sources
Text links open the official source. We also preserved the text version used in the PlainBill explanation below.
No related bills are listed in this snapshot. This does not establish whether the proposal has appeared in earlier Congresses.
Source last updated: Sep 9, 2026. Consult Congress.gov for the current record.
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Analyze H.R.10298 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.
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PlainBill explanation
Based on the full Introduced in House · 2026-09-04 text. This explanation has not received human editorial review. This overview describes the proposal’s major provisions; it does not establish what its real-world effects would be.
This bill would change which payments count toward Public Service Loan Forgiveness, a student loan cancellation program tied to public service work. It would let the first 60 payments under specified repayment plans count regardless of amount, add another standard repayment plan to the qualifying options, and count certain months when repayment is paused while a borrower works in public service.
This Act may be cited as the Public Service Loan Forgiveness Inclusion Act of 2026.
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;
(vi) monthly payments under the standard repayment plan under subsection (d)(7)(A)(i);
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.
For repayment plans referenced in subsections (d)(1) or (g), the bill would allow the first 60 monthly payments to qualify regardless of payment amount. Each later payment qualifying under this provision would have to be at least the monthly amount calculated under subsection (d)(1)(A) using a 10-year repayment period.
(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;
The bill would add monthly payments under the standard repayment plan referenced in subsection (d)(7)(A)(i) to the qualifying payment options.
(4) by adding at the end the following: (vi) monthly payments under the standard repayment plan under subsection (d)(7)(A)(i); and .
A month when repayment is suspended through administrative forbearance—a pause in repayment—would count as a monthly payment if the borrower works in a public service job during that month and would otherwise have made a payment of a qualifying type.
(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.
Within 180 days after enactment, the Secretary of Education would have to notify each borrower with a loan under part D of title IV of the Higher Education Act about the first-60-payment rule and the administrative-forbearance rule, explain their effects on loan cancellation, and provide information on changing repayment plans.
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.
The change to payment amounts for the first 60 monthly payments would apply to borrowers who, on or after enactment of this section, have made fewer than 120 monthly payments under the public service loan cancellation provision.
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.
The supplied action snapshot, updated September 9, 2026, records introduction in the House and referral to the House Committee on Education and Workforce on September 4, 2026.
Source snapshot updated 2026-09-09T14:26:35Z. 2026-09-04: Referred to the House Committee on Education and Workforce. 2026-09-04: Introduced in House
A closer look
Reviewed version: Introduced in House · 2026-09-04. These findings describe provisions and who may benefit; they are not judgments of waste, corruption, or motive.
This review covers the supplied bill text. “None identified” does not rule out provisions in later versions or accompanying reports and disclosures.
Provisions outside the bill’s main subject, or policy changes attached to appropriations.
None identified in the reviewed text
No unrelated provision or policy attached to appropriations was identified after reviewing the complete supplied introduced text. This conclusion is limited to that version and does not establish absence in other versions or accompanying materials.
Spending directed to particular recipients or places outside ordinary competitive or formula-based allocation.
None identified in the reviewed text
No congressionally directed spending for particular recipients or places was identified after reviewing the complete supplied introduced text. This conclusion is limited to that version and does not establish absence in other versions or accompanying materials; formal earmark disclosures and reports were not supplied.
Narrow exceptions, exemptions, or preferential treatment that warrant a closer look.
None identified in the reviewed text
No materially narrow carve-out, special exemption, or preferential treatment warranting a finding was identified after reviewing the complete supplied introduced text. This conclusion is limited to that version and does not establish absence in other versions or accompanying materials.
Full text preserved for this analysis. Legislative record snapshot: Sep 9, 2026. How PlainBill uses AI