Sponsors (79)
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Allows people in medical or dental internships or residencies to pause federal student loan payments while they train. During the pause (a deferment), borrowers would not have to pay principal and interest would not accrue on their loans. This change amends the Higher Education Act to add a special rule making interns and residents eligible for that non‑accruing deferment, and would require loan programs and servicers to implement the new eligibility and certification rules.
Modify paragraph (1) to change the opening words from "A borrower" to "Except as provided in paragraph (7), a borrower", creating an explicit exception reference to the new paragraph (7).
In paragraph (2)(A)(i), strike the text that follows the semicolon.
In paragraph (2)(A), remove the matter that follows clause (ii).
In paragraph (2)(A)(ii), replace the comma at the end with a semicolon.
Add a new clause (iii) to paragraph (2)(A) stating that the borrower "is serving in a medical or dental internship or residency program."
Primary beneficiaries: medical and dental interns and residents who hold federal student loans. Those borrowers would get temporary relief from monthly payments and would avoid interest accumulation while in approved internship or residency programs, improving short-term cash flow and reducing loan growth during training. The Department of Education and loan servicers will need to add eligibility checks, application or certification pathways, and systems changes to place loans into the new deferment status; that creates modest administrative work and implementation costs. The federal government would lose interest income it otherwise would have received during deferred periods; the fiscal impact depends on how many borrowers use the deferment and for how long. The change does not alter other loan terms (it is not forgiveness) but interactions with other programs (income‑driven repayment counts, Public Service Loan Forgiveness, etc.) will need clarification in guidance. Overall, the policy is targeted and narrow, reducing near-term borrower burden for a specific training period while producing modest costs and administrative changes for federal loan programs.
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Referred to the House Committee on Education and Workforce.
Introduced March 11, 2025 by Brian Babin · Last progress March 11, 2025
REDI Act
Referred to the House Committee on Education and Workforce.
Introduced in House