Bill · H.R. 8351· House(119-HR-8351)
Clean Slate through Repayment Act of 2026
- Introduced
- 4/16/2026
- Last activity
- 4/16/2026 — Referred to the House Committee on Education and Workforce.
- Sponsored by
- Deborah Ross
- Cosponsors
- - 3 - 0
- Introduced
- In Committee
What this bill would do
This bill, known as the "Clean Slate through Repayment Act of 2026," seeks to amend the Higher Education Act of 1965. It focuses on the removal of default records from a person's credit history. Specifically, it requires the removal of a default record once the loan is fully repaid. This applies to loans made, insured, or guaranteed under title IV. The Secretary or loan holder must request that consumer reporting agencies remove the information.
Yes· 3 of 12
Would students be better off under this?+5
Students who have defaulted on loans will have a path to a clean credit history upon full repayment.
Does this give people more protection from unfair business practices?+5
The bill improves consumer protection by requiring the removal of adverse default information from credit reports once loans are repaid.
Would people in their twenties and thirties be better off under this?+4
Young adults who have defaulted on student loans will benefit from having their credit cleared upon full repayment.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Credit History Improvement: Once a borrower repays the full amount due on a defaulted title IV loan, the default and related adverse information would be removed from their credit history (Section 2). This could be considered positive as it allows individuals to have a cleaner credit profile after meeting their obligations.
Potential Negative Impacts for People
- No negative impacts are explicitly stated in the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Students+5Good For Low Income Households+4Good For Young Adults+4Good For African Americans+3Good For Hispanic Americans+3Good For Middle Aged+3Good For Middle Class Households+3Good For Asian Americans+2Good For White Americans+2
- Economy And Finance
- Improves Consumer Protection+5
- Education And Technology
- Improves Student Loan Relief+4
- Social Issues And Justice
- Improves Poverty Reduction+3
- 4/16/2026
- Referred to the House Committee on Education and Workforce.
- 3 Cosponsors added.
- Introduced in House
Alma AdamsDemocrat · North Carolina
Haley StevensDemocrat · Michigan
Nikema WilliamsDemocrat · Georgia