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H.R. 10220

BillFederalHouseIn Committee
To amend the Higher Education Act of 1965 to include notification and automatic enrollment procedures for borrowers who are delinquent on loans, and for other purposes.
About This Bill
Committee
Latest Action · September 2, 2026
Referred to the Committee on Education and Workforce, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Introduced
September 2, 2026
Cosponsors (6)
6D 0R
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Summary

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The SIMPLE Act amends federal student loan rules to help borrowers who fall behind on payments by automatically enrolling them in more manageable repayment plans. When borrowers become 31 days delinquent, the government will notify them of their options and use tax return information to calculate affordable payments based on their income; if they remain 75 days behind without selecting a plan, they will be automatically enrolled in the income-driven plan with the lowest monthly payment. The bill also streamlines repayment procedures by allowing borrowers to switch plans at any time and exempting those with zero calculated payments from providing income documentation. These changes take effect on July 1, 2028, and require borrowers to approve the government's access to their tax information for these automatic enrollment purposes.

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