GRACE Act

Referred to the House Committee on Education and Labor.

Congressional Research Service

Official summary

Version 00 · Introduced in House · Jul 17, 2019

Guaranteeing Respite After College Ends Act or the GRACE Act

This bill (1) provides for deferment periods (i.e., grace periods) that apply to federal student loan payments, and (2) prohibits interest from accruing on these loans during such deferment periods.

The bill specifies that Federal Direct Stafford Loans and Federal Direct Unsubsidized Stafford Loans first disbursed on or after July 1, 2020, are not subject to repayment of principal or interest accrual while the student borrower is in school or during the six-month grace period after the student borrower leaves school.

Additionally, the bill specifies that Federal Direct PLUS Loans and Federal Direct Consolidation Loans first disbursed on or after July 1, 2020, are not subject to repayment of principal or interest accrual prior to 60 days after loan disbursement.

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People & committees

Who introduced it

Rep. Horn, Kendra S. [D-OK-5] · D–OK

Committees

Education and Workforce Committee

2 cosponsorship records, including any withdrawals

Legislative record

Actions

A procedural vote is different from passage. Passage in one chamber does not establish enactment. Explore the glossary.

Jul 17, 2019
Referred to the House Committee on Education and Labor.
Jul 17, 2019
Introduced in House
Jul 17, 2019
Introduced in House

Primary sources

Bill text & related measures

Text links open the official source. We currently store references to these documents.

Introduced in House · Jul 17, 2019 Formatted Text PDF Formatted XML

Related bills identified by Congress.gov

No related bills are listed in this snapshot. This does not establish whether the proposal has appeared in earlier Congresses.

Source last updated: Jul 21, 2025. Consult Congress.gov for the current record.

AI Conversation Starters

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Neutral evidence review

Objective

Analyze H.R.3792 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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Discuss H.R.3792, 116th Congress: GRACE Act

Official record: https://www.congress.gov/bill/116th-congress/house-bill/3792

Text version to examine: Introduced in House · 2019-07-17.

Official full text: https://www.congress.gov/116/bills/hr3792/BILLS-116hr3792ih.htm

Imported record last updated by the source: 2025-07-21T19:44:15Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Analyze H.R.3792 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.

Fairness and public impact

Progressive lens

Examine H.R.3792 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

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Discuss H.R.3792, 116th Congress: GRACE Act

Official record: https://www.congress.gov/bill/116th-congress/house-bill/3792

Text version to examine: Introduced in House · 2019-07-17.

Official full text: https://www.congress.gov/116/bills/hr3792/BILLS-116hr3792ih.htm

Imported record last updated by the source: 2025-07-21T19:44:15Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.3792 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

Institutions and government scope

Conservative lens

Examine H.R.3792 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

View full prompt & sources

Discuss H.R.3792, 116th Congress: GRACE Act

Official record: https://www.congress.gov/bill/116th-congress/house-bill/3792

Text version to examine: Introduced in House · 2019-07-17.

Official full text: https://www.congress.gov/116/bills/hr3792/BILLS-116hr3792ih.htm

Imported record last updated by the source: 2025-07-21T19:44:15Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.3792 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

Individual rights and government power

Liberty lens

Examine H.R.3792 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.

View full prompt & sources

Discuss H.R.3792, 116th Congress: GRACE Act

Official record: https://www.congress.gov/bill/116th-congress/house-bill/3792

Text version to examine: Introduced in House · 2019-07-17.

Official full text: https://www.congress.gov/116/bills/hr3792/BILLS-116hr3792ih.htm

Imported record last updated by the source: 2025-07-21T19:44:15Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.3792 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.