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This bill amends federal farm credit programs to expand access for farmers and ranchers. It reduces the experience requirement for direct farm ownership loans from three years to one year, with a waiver option for beginning farmers with mentorship or relevant education; eliminates the 10-year limit on direct farm ownership loans; allows direct loans to be used for refinancing existing debt up to four times; increases the lifetime debt forgiveness cap from $300,000 to $600,000 per borrower; and adds flexibility to loan fund set-asides for beginning farmers and ranchers by making certain deadlines aspirational rather than mandatory.
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