SIMPLE Act

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Introduced

In Committee

Passed One Chamber

Passed Both Chambers

Signed into Law

Referred to the Committee on Education and Workforce, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

Student loan borrowers struggling with payments would get automatic help finding lower monthly plans.

This bill would help federal student loan borrowers who are behind on payments or working to fix defaulted loans. It would let the Department of Education use Internal Revenue Service (IRS) income data (with your approval) to find the lowest monthly payment plan for you. If you don't pick a plan, the government would automatically enroll you in one, starting July 1, 2028.

What Would Change

Today, borrowers behind on federal student loans must actively apply for income-driven plans and provide income documents. This bill would allow the Department of Education to use Internal Revenue Service (IRS) income data (with borrower approval) to identify eligible plans. If borrowers don't choose a plan, the Department would automatically enroll those 75 days delinquent or those rehabilitating a defaulted loan into the lowest monthly payment income-driven plan.

Key Provisions

Lets the Department of Education use Internal Revenue Service (IRS) tax information (with your approval) to figure out your income for student loan repayment.
Requires the Department of Education to notify borrowers who are 31 days or more behind on payments about their options.
Automatically enrolls borrowers who are 75 days or more behind on payments into the lowest monthly payment income-driven plan if they don't choose one.
Ends the need for income paperwork for borrowers with a $0 monthly payment under certain income-driven plans.
Lets borrowers on income-based repayment plans switch to any other eligible plan at any time.
Automatically enrolls borrowers who have made 9 payments to fix a defaulted loan into the lowest monthly payment income-driven plan.

View on Congress.gov

HR 10220 · 119th Congress · AI Summary by gemini-2.5-flash · 5/10

SIMPLE Act

What Would Change

Key Provisions

Lobbying Activity