; early retirement age Section 216(l) of the Social Security Act ( 42 U.S.C. 416(l) ) is amended by adding at the end the following: (4) Notwithstanding the preceding paragraphs of this subsection, in the case of an individual who receives one or more student loan forgiveness credits under section 455(r) of the Higher Education Act of 1965— (A) the retirement age with respect to such individual shall be deemed to be— (i) the retirement age determined with respect to such individual under paragraph (1); plus (ii) a number of additional months equal to the number of student loan forgiveness credits received by the individual under such section 455(r); and (B) the early retirement age with respect to such individual shall be deemed to be— (i) the early retirement age determined with respect to such individual under paragraph (2)