1. Short title This Act may be cited as the Student Loan Debt Relief Act of 2019 . 2. Table of contents The table of contents for this Act is as follows: Sec. 1. Short title. Sec. 2. Table of contents. Title I—Loan Discharge and Forbearance Sec. 101. Loan discharge. Sec. 102. Automatic administrative forbearance; halting of wage garnishment. Sec. 103. Staying and prohibition on commencement of actions for collection. Sec. 104. Ineligibility for Treasury Offset. Title II—Refinancing Programs Sec. 201. Refinancing programs. Title III—Dischargeability of Student Loans in Bankruptcy Sec. 301. Dischargeability of student loans in bankruptcy. Title IV—General Provisions Sec. 401. Report on progress of implementation. Sec. 402. Notification to borrowers. Sec. 403. Inapplicability of title IV negotiated rulemaking and master calendar exception. Sec. 404. Definitions. I Loan Discharge and Forbearance 101. Loan discharge (a) In general Subject to subsection (f), not later than the date that is 12 months after the date of enactment of this Act, the Secretary of Education shall discharge the qualified loan amount of each individual, without regard to the repayment status of the loan or whether the loan is in default. (b) Qualified loan amount (1) In general The qualified loan amount of an individual is an amount equal to the lesser of— (A) $50,000