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Code · BILL · 113th Congress · H.R. 2961 (Introduced in House) — To amend the Truth in Lending Act and the Higher Education Act of 1965 to require additional disclosures and protecti... · Sec. 3

Sec. 3. Federal student loans

291 words·~1 min read·/bill/113/hr/2961/ih/section-3

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Section 485(l)(2) of the Higher Education Act of 1965 ( 20 U.S.C. 1092(l)(2) ) is amended by adding at the end the following: Information on the conditions required to discharge the loan due to the death, disability, or inability to engage in any substantial gainful activity of the borrower in accordance with section 437(a), and an explanation that, in the case of a private education loan made through a private educational lender (as such terms are defined in section 140 of the Truth in Lending Act ( 15 U.S.C. 1650 )), the borrower, the borrower’s estate, and any cosigner of such a private education loan may be obligated to repay the full amount of the loan, regardless of the death or disability of the borrower or any other condition described in section 437(a).
Any repayment, refinance, deferment, forbearance, or forgiveness opportunities available to the borrower, or cosigner, in the event of either individual’s death, disability, or inability to engage in any substantial gainful activity. The effect that the death, disability, or inability to engage in any substantial gainful activity of the borrower would have on the obligations of the borrower and any cosigner of the loan. . Section 484(a)(4) of the Higher Education Act of 1965 ( 20 U.S.C. 1091(a)(4) ) is amended— in subparagraph (A), by striking and after the semicolon; in subparagraph (B), by inserting and after the semicolon; and by adding at the end the following new subparagraph: a designation by such student of an individual who shall have the legal authority to act on behalf of the student with respect to any loan to the student under this title in the event of the student’s death, disability, or inability to engage in any substantial gainful activity; .
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