YourVoice.Now 摘要
你的钱工人与就业透明度与问责制Educators in high-need schools could get all federal student loans erased after five years, with monthly bills covered.
你的钱
在高需求学校或幼儿教育项目工作满五年的教育工作者将无需再偿还任何欠款。全部贷款余额都会被清偿，包括利息和费用。
教育部会在教育工作者服务期间代付其每月最低还款额，暑假也包含在内。这些月份同样会计入公共服务贷款减免的年限。
法律生效前的工作年限会计入五年期限。这些年限不要求连续。
启蒙计划工作人员、家庭儿童看护人员和学校校长将符合资格。部落学校、夏威夷原住民学校和印第安事务局学校的教师同样符合资格。
为日后成为教育工作者的子女申请过家长PLUS贷款的家长，其贷款会被清偿。为自己子女申请过该贷款的教育工作者本人同样符合资格。
就联邦直接贷款而言，教育工作者从事符合条件的工作期间不会产生利息。较早期的联邦家庭教育贷款（FFEL）不享有这项优惠。
在满五年前停止服务的教育工作者，可以保留政府已经代付的每月还款。教育工作者此前自行偿还的钱款不会被退回。
工人与就业
教育工作者若在同一学校或项目内获得晋升，其服务年限继续累计，不会因职位变动而重新计算五年期限。
如果教育工作者完成了至少半个学年，即便该学年被缩短也仍然计入服务年限。这适用于家庭或医疗休假、服兵役、重返校园进修，或身处灾区的情况。
教授阿拉斯加原住民语言、美洲印第安语言或夏威夷原住民语言的教师，无需具备完整的州执照即可符合资格。其他所有教师仍需持有完整执照。
透明度与问责制
教育部会公开发布符合条件的学校和项目名单，并每年更新该名单。
计划启动后180天内，教育部会通知学校、教育工作者和借款人。该通知将说明较早期贷款和过往工作经历如何计入。
目前，教育部制定新的高等教育规则时，必须与学校、学生和贷款机构进行协商。本法案将允许教育部跳过这一协商程序，以便更快启动计划。
关于本法案的更多内容
Teachers, principals, and child care providers could get every federal student loan wiped out. The bill would erase 100 percent of what they still owe after five years in a high-need school or early childhood program. Interest and fees would go too. Today's teacher program forgives at most $5,000. Math, science, and special education teachers can get $17,500. While an educator serves, the government would make their monthly loan payment. Summer breaks count. Those months would also count toward Public Service Loan Forgiveness. On Direct Loans, no interest would build up during that service. Far more educators would qualify than under today's program. The bill adds Head Start staff, family child care providers, and school principals. It adds teachers at Tribal, Native Hawaiian, and Bureau of Indian Education schools. Teachers of Native languages would qualify without a state license. A high-need school is generally one where more than 30 percent of students live in poverty. The five years would not have to be in a row. Teaching done before the law passed would count. Older loans would count too. Parent PLUS loans count in both directions. A parent who borrowed for a future educator would qualify. So would an educator who borrowed for their own child. Leaving before five years would not force an educator to pay back help already given. But money an educator already repaid would not come back. The changes would start 180 days after the bill became law. The Education Department would have to run the program within 270 days. It would publish a list of qualifying schools and programs. That list would be updated each year. Within 180 days of the launch, the Department would have to tell schools, educators, and borrowers about the new rules. That notice would explain how older loans and past teaching count. To move faster, the Department could skip the public negotiation step it normally uses to write these rules.
国会摘要
2026年教育工作者贷款减免法本法案通过修订教师贷款减免计划，扩大对教育工作者的贷款减免。该计划为具备高度资质、在低收入中小学或教育服务机构全职任教、并连续服务满五年的教师提供最高17,500美元的贷款减免。具体而言，本法案将该计划更名为“教育工作者贷款减免计划”。此外，本法案扩大了该计划的适用范围，使更多类型的贷款（例如家长PLUS贷款）符合该计划的减免资格。本法案还将该计划的资格范围扩大至在幼儿教育项目中任职的幼儿教育工作者和项目主任，以及在公立高需求学校任职的学校领导。本法案要求教育部在符合条件的服务期间（即在高需求学校或幼儿教育项目中担任全职合格教育工作者期间），代教育工作者按月偿还学生贷款；在完成五年符合条件的服务（不要求连续）后，提供全额贷款减免；并采取措施将该计划的变更情况告知借款人。
详细信息
- 国会届次
- 119th
- 议院
- 众议院
- 状态
- 已总结
- 行动
- 提交众议院
- 行动日期
- 2026-05-19
- 添加日期
- 2026-07-07
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