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Clean Slate through Consolidation Act
To amend the Higher Education Act of 1965 to require the removal of the record of default from credit history upon obtaining a Federal Direct Consolidation Loan that discharges the defaulted loan.
Summary
This bill amends the Higher Education Act to require removal of student loan default records from credit history when a borrower obtains a Federal Direct Consolidation Loan that discharges the defaulted loan. The Secretary of Education, guaranty agency, or loan holder would be required to request that consumer reporting agencies remove the default from the borrower's credit history. The bill applies to federal student loans made, insured, or guaranteed under the Higher Education Act. This provision allows borrowers to clear their credit record of a student loan default upon consolidating their loans. The removal from credit history would occur after the consolidation loan discharges the defaulted loan.
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)
3 cosponsors
Actions (2)
- Apr 16, 2026 Referred to the House Committee on Education and Workforce. · house
- Apr 16, 2026 Introduced in House
Similar bills (6)
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Full text
IN THE HOUSE OF REPRESENTATIVES
April 16, 2026
Ms. Stevens (for herself, Ms. Adams, Ms. Ross, and Ms. Williams of Georgia) 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 require the removal of the record of default from credit history upon obtaining a Federal Direct Consolidation Loan that discharges the defaulted loan.
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 “Clean Slate through Consolidation Act”.
SEC. 2. REMOVAL OF RECORD OF DEFAULT FROM CREDIT HISTORY UPON LOAN CONSOLIDATION.
Section 455(g) of the Higher Education Act of 1965 (20 U.S.C. 1087e(g)) is amended by adding at the end the following:
“(4) Consumer reporting agencies.—With respect to a borrower who obtains a Federal Direct Consolidation Loan that discharges the liability on a defaulted loan made, insured, or guaranteed under this title, the Secretary, guaranty agency, or other holder of such loan shall request that any consumer reporting agency to which the default was reported remove the default from the borrower’s credit history.”. <all>
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