HR8361Referred to Committee

Clean Slate through Rehabilitation Act

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Introduced
In Committee
3
Passed One Chamber
4
Passed Both
5
Signed into Law
119th
Congress
2026-04-16
Introduced
3
Cosponsors
HR
ⓘ
Type

Sponsor

Nikema Williams
Nikema Williams
Democrat · GA · Representative
Votes with party: 98.1% (536 recorded votes)

Full profile: /officials/W000788

Source: Congress.gov · FEC

Cosponsors (3)

Members who have signed on to support this bill since introduction. Source: Congress.gov.

Latest Action

The most recent step in the bill's legislative path. Committee Activity below shows referrals and reports; the full action-by-action history including floor proceedings lives at Congress.gov →

Referred to the House Committee on Education and Workforce.

2026-04-16

Source: Congress.gov

Committee Activity

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Plain-English Summary

If a borrower successfully rehabilitates a defaulted student loan by making on-time payments, this bill would require that the default and negative credit history be completely removed from their credit report. This would help borrowers who have gotten back on track with their loans rebuild their credit scores and improve their ability to qualify for mortgages, car loans, and other credit in the future. The change would primarily benefit student loan borrowers who have struggled with payments but have demonstrated they can repay their debts.

AI-assisted summary generated from the official bill metadata (title, subjects, actions) sourced from Congress.gov. Cached and reviewed. Always verify against the official text linked below.

Subjects

Education

Full Bill Text

Verbatim text published on Congress.gov via GovInfo. Use Cmd+F / Ctrl+F to search within this excerpt.

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8361 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8361 To amend the Higher Education Act of 1965 to remove all adverse credit history related to a loan from the credit history of a borrower who has rehabilitated the loan. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES April 16, 2026 Ms. Williams of Georgia (for herself, Ms. Ross, Ms. Adams, and Ms. Stevens) 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 remove all adverse credit history related to a loan from the credit history of a borrower who has rehabilitated the 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 Rehabilitation Act''. SEC. 2. DEFAULT REDUCTION PROGRAM. Section 428F(a)(1)(C) of the Higher Education Act of 1965 (20 U.S.C. 1078-6(a)(1)(C)) is amended by striking ``to remove the record of the default from the borrower's credit history'' and inserting ``to remove any adverse information relating to such loan from the borrower's credit history''. <all>
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