PlainBillCongress, translated.Legislation. Context. Public interest.Congressional Research Service
Version 00 · Introduced in House · Apr 10, 2025
Strengthening Efforts for Relief and Vital Incentives for Community Service and Engagement Act or the SERVICE Act
This bill makes changes to the Public Service Loan Forgiveness (PSLF) program.
Under the current PSLF program, the Department of Education (ED) must cancel the balance of interest and principal due on a borrower's Federal Direct Loans after the borrower makes 120 monthly loan payments while employed in a public service job and, at the time of loan forgiveness, the borrower is employed in a public service job.
Showing the opening paragraphs of the official summary.
Among other changes to the PSLF program, this bill
reduces from 120 to 96 the number of monthly payments required for loan forgiveness;
expands qualifying monthly payments, deferments, and forbearances allowed under the PSLF program;
removes the requirement that a borrower must be employed in a public service job at the time of loan forgiveness;
establishes a reconsideration process for borrowers who have their initial PSLF application denied; and
prohibits interest capitalization on loans after deferment or forbearance.
The bill directs ED to (1) establish an online portal that provides borrowers with information on loans and the PSLF program, and (2) establish and regularly update a database listing public service jobs.
The bill allows an eligible teacher to use the same teaching service to qualify for both the Teacher Loan Forgiveness program and the PSLF program.
The Government Accountability Office must study and report on the feasibility of establishing data matching agreements for PSLF that allows borrowers to forgo requesting employment certification from their employer.
People & committees
Rep. Courtney, Joe [D-CT-2] · D–CT
Legislative record
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Referred to the House Committee on Education and Workforce.
Introduced in House
Introduced in House
Primary sources
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Source last updated: Sep 19, 2026. Consult Congress.gov for the current record.
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