This part ends two ways to pause a student loan for new borrowers. Those are hardship and jobless deferments. It covers loans made from July 1, 2027. Forbearance for those loans is capped at nine months in any two years.
The document says “shall not”Who acts: Secretary of EducationHow: statuteSec. 82002 in the PDF
What the document says
“A borrower who receives a loan made under this part on or after July 1, 2027, shall not be eligible to defer such loan under subparagraph (B) or (D) of paragraph (2).”
The section adds a new paragraph (7) to section 455(f) of the Higher Education Act of 1965 (20 U.S.C. 1087e(f)) so that a borrower of a loan made on or after July 1, 2027 may not defer it under the unemployment or economic hardship provisions, and makes the two existing provisions subject to that paragraph.
What the document actually says
“A borrower who receives a loan made under this part on or after July 1, 2027, shall not be eligible to defer such loan under subparagraph (B) or (D) of paragraph (2).”
That sentence, in plain words
A borrower may not pause such a loan. That covers loans made from July 1, 2027. Two ways of pausing are named.
What this is about
One is for being out of work. One is for money hardship. Older loans keep both.
No action is recorded against this proposal. That is not evidence that none has been taken, and nobody has yet read it against the record. See what the tracker does not yet cover.
The document says “can”Who acts: Secretary of EducationHow: statuteSec. 82002 in the PDF
What the document says
“A borrower who receives a loan made under this part on or after July 1, 2027, may only be eligible for a forbearance on such loan pursuant to section 428(c)(3)(B) that does not exceed 9 months during any 24-month period.”
The section adds a new paragraph (8) to section 455(f) of the Higher Education Act of 1965 capping forbearance under section 428(c)(3)(B) on a loan made on or after July 1, 2027 at nine months in any 24 month period.
What the document actually says
“A borrower who receives a loan made under this part on or after July 1, 2027, may only be eligible for a forbearance on such loan pursuant to section 428(c)(3)(B) that does not exceed 9 months during any 24-month period.”
That sentence, in plain words
A borrower may pause payment for a while. That may not top nine months in any two years. It covers loans made from July 1, 2027.
What this is about
Forbearance is a break from paying. Interest usually still builds. Older loans are not capped this way.
No action is recorded against this proposal. That is not evidence that none has been taken, and nobody has yet read it against the record. See what the tracker does not yet cover.
Provide for reconciliation pursuant to title II of H. Con. Res. 14, Public Law 119-21, sec. 82002, 139 Stat. 348 (2025). https://www.govinfo.gov/content/pkg/PLAW-119publ21/html/PLAW-119publ21.htm
This page
“Deferment; Forbearance,” Provide for reconciliation pursuant to title II of H. Con. Res. 14, section 82002. Read the Mandate, https://readthemandate.org/pl-119-21/section-82002/ (retrieved October 10, 2026).
Cite the document when the claim is about what the document says. Cite this page when the indexing, the wording or the record of what has happened is what is being relied on.
What This Page Covers, and What It Leaves Out
Both things the section does: end the two deferments for loans made from July 1, 2027, and cap forbearance for those loans.
The heading change and the two cross reference insertions.
The section works by amending section 455(f) of the Higher Education Act of 1965 and points to section 428(c)(3)(B) of that Act, neither of which is indexed here.
