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HR 2028
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REDI Act

To amend the Higher Education Act of 1965 to provide for interest-free deferment on student loans for borrowers serving in a medical or dental internship or residency program.

Introduced Mar 11, 2025

Latest action (Mar 11, 2025) Referred to the House Committee on Education and Workforce.

Referred to
Education and Workforce Committee
Policy area
Education
Legislative subjects (6)
Dental careGovernment lending and loan guaranteesHealth personnelInterest, dividends, interest ratesMedical educationStudent aid and college costs

Summary

This bill allows federal student loan borrowers who are serving in medical or dental internship or residency programs to defer their federal student loan payments without accruing interest. The bill amends the Higher Education Act of 1965 to add medical and dental residents and interns to the list of borrowers eligible for in-school deferment. During the deferment period, borrowers do not need to make principal payments and no interest accumulates on their federal loans, providing relief during their training years.

AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.

Sponsor (1)
129 cosponsors

Money behind the sponsor

Top reported contributors to Brian Babin’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.

  • JEFFERSON COUNTY $13,700
  • NULL $12,100
  • TRANS GLOBAL SOLUTIONS, INC. $9,900
  • HOUSEWIFE $9,600
  • TRANS-GLOBAL SOLUTIONS INC. $9,600

Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for Brian Babin → · Outside spending →

Actions (2)
  1. Mar 11, 2025 Referred to the House Committee on Education and Workforce. · house
  2. Mar 11, 2025 Introduced in House

More bills on these subjects (8)

Other bills that carry the most legislative subjects in common with this one (topical discovery — distinct from the procedural related bills above).

  • HR 191 — Inflation Reduction Act of 2025 (shares 6 subjects)
  • HR 4262 — To reauthorize programs related to health professions education, and for other purposes. (shares 5 subjects)
  • S 1071 — National Defense Authorization Act for Fiscal Year 2026 (shares 4 subjects)
  • HR 2483 — SUPPORT for Patients and Communities Reauthorization Act of 2025 (shares 4 subjects)
  • HR 5304 — Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations Act, 2026 (shares 4 subjects)
  • HR 1654 — CUTS Act (shares 4 subjects)
  • HR 1127 — Rural America Health Corps Act (shares 4 subjects)
  • HR 3358 — Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations Act, 2018 (shares 4 subjects)

Similar bills (6)

Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.

  • S 942 — REDI Act · Introduced Mar 19, 2026 · Cong. 119 88%
  • HR 3165 — Student Loan Tax Elimination Act · Introduced May 1, 2025 · Cong. 119 68%
  • HR 1739 — Higher Education Reform and Opportunity Act · Introduced Feb 27, 2025 · Cong. 119 68%
  • HR 4862 — LOAN Act · Introduced Aug 1, 2025 · Cong. 119 67%
  • HR 2003 — Affordable Loans for Students Act · Introduced Mar 10, 2025 · Cong. 119 67%
  • HR 6677 — Professional Degree Access Restoration Act · Introduced Dec 11, 2025 · Cong. 119 67%

Text versions (1)
  • Introduced in House · Mar 11, 2025

Only one text version is on file, so there’s no earlier version to compare against yet.

Full text

IN THE HOUSE OF REPRESENTATIVES

March 11, 2025

Mr. Babin (for himself and Ms. Houlahan) introduced the following bill; which was referred to the Committee on Education and Workforce

A BILL

To amend the Higher Education Act of 1965 to provide for interest-free deferment on student loans for borrowers serving in a medical or dental internship or residency program.

Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

This Act may be cited as the “Resident Education Deferred Interest Act” or the “REDI Act”.

SEC. 2. DEFERMENT DURING A MEDICAL OR DENTAL INTERNSHIP OR RESIDENCY PROGRAM.

Section 455(f) of the Higher Education Act of 1965 (20 U.S.C. 1087e(f)) is amended—

(1) in paragraph (1), in the matter preceding subparagraph

(A), by striking “A borrower” and inserting “Except as provided in paragraph (7), a borrower”;

(2) in paragraph (2)(A)—

(A) in clause (i), by striking “or” after the semicolon;

(B) by striking the matter following clause (ii);

(C) in clause (ii), by striking the comma at the end and inserting “; or”; and

(D) by adding at the end the following:

“(iii) is serving in a medical or dental internship or residency program;”; and

(3) by adding at the end the following:

“(7) Special rule for certain in school deferment.— Notwithstanding any other provision of this Act, a borrower described in paragraph (2)(A)(iii) shall be eligible for a deferment, during which periodic installments of principal need not be paid and interest shall not accrue on any loan made to the borrower under this part.”. <all>

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