Bill · S. 1863· Senate(119-S-1863)
VALOR Act of 2025
- Introduced
- 5/22/2025
- Last activity
- 5/22/2025 — Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
- Sponsored by
- Richard Blumenthal
- Cosponsors
- None
- Introduced
- In Committee
What this bill would do
This bill, known as the "VALOR Act of 2025," aims to change the eligibility rules for the public service loan forgiveness program. It seeks to amend section 455(m) of the Higher Education Act of 1965. The changes specifically target borrowers who have performed covered active duty service. This service includes the Armed Forces, the National Guard, and the commissioned corps of the National Oceanic and Atmospheric Administration. The bill establishes special rules for these individuals to receive loan forgiveness.
Yes· 3 of 7
Would students be better off under this?+7
Provides significantly expanded pathways to loan forgiveness for service members.
Does this reduce what student borrowers owe or repay?+7
It expands qualifying payment criteria and waives employment requirements for certain active duty service members.
Would veterans be better off under this, taking everything together?+6
The bill directly improves loan forgiveness terms for those in active service and potentially affects post-service status.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Deeming deferred or forbearance payments as qualifying payments: The Secretary would treat certain monthly payments that were deferred or in forbearance as qualifying monthly payments for the purpose of the loan forgiveness program (Section 2, subsection A, i).
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Waiving employment requirements: The requirement of paragraph (1)(B)(i) would be waived if a borrower completes 10 years of full-time employment in covered active duty service during the loan period (Section 2, subsection A, ii).
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Flexible enrollment timing: The bill ensures that borrowers who meet these requirements can receive public service loan forgiveness regardless of when they enrolled in the program (Section 2, subsection A, iii).
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Broadening the definition of service: The bill includes "covered active duty service," which encompasses active service in the Armed Forces and full-time duty in the commissioned corps of the National Oceanic and Atmospheric Administration (Section 2, subsection B).
Potential Negative Impacts for People
- No negative impacts or burdens are explicitly identified 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+7Good For Veterans+6Good For Young Adults+5Good For Middle Class Households+4
- Education And Technology
- Improves Student Loan Relief+7Improves College Affordability+6
- National Security And Foreign Policy
- Improves Veterans Benefits+5
- 5/22/2025
- Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
- Introduced in Senate