SIMPLE Act
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Summary
The SIMPLE Act amends the Higher Education Act to establish automatic notification and enrollment procedures for federal student loan borrowers who are delinquent or in default. The bill requires the Department of Education to use tax return information to determine borrower income and automatically enroll delinquent borrowers into income-driven repayment plans that would lower their monthly payments, with options for borrowers to opt out or select alternative plans. The legislation aims to help struggling borrowers avoid default by streamlining access to more affordable repayment options.
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