II 115th CONGRESS 2d Session S. 3584 IN THE SENATE OF THE UNITED STATES October 11, 2018 Mr. Merkley (for himself, Ms. Stabenow , Mrs. Gillibrand , Ms. Baldwin , Mr. Blumenthal , Mr. Schatz , Mr. Cardin , and Ms. Cortez Masto ) introduced the following bill; which was read twice and referred to the Committee on Health, Education, Labor, and Pensions A BILL To amend the Higher Education Act of 1965 in order to increase usage of the Federal student loan income-based repayment plan and improve repayment options for borrowers, and for other purposes.