1. Short title This Act may be cited as the End Capitalization for Struggling Borrowers Act . 2. Termination of capitalization of interest after deferment or forbearance (a) Part B amendments (1) Subsidized loans Section 428(c)(3)(C) of the Higher Education Act of 1965 ( 20 U.S.C. 1078(c)(3)(C) ) is amended— (A) in clause (iii), by inserting before the semicolon the following: , and with respect to a forbearance granted to a borrower on or after the date of enactment of the End Capitalization for Struggling Borrowers Act on a loan made, insured or guaranteed under this section or on a Federal Direct Stafford Loan, provide information to the borrower to assist the borrower in understanding that interest shall accrue on the loan but not be capitalized at the expiration of such period of forbearance ; and (B) in clause (iv)— (i) in subclause (III), by inserting before the semicolon at the end the following: , except that this subclause shall not apply with respect to any period of forbearance beginning on or after the date of enactment of the End Capitalization for Struggling Borrowers Act