I 116th CONGRESS 1st Session H. R. 4658 IN THE HOUSE OF REPRESENTATIVES October 11, 2019 Mrs. Murphy of Florida introduced the following bill; which was referred to the Committee on Education and Labor A BILL To require the Secretary of Education to develop and implement a process that enables certain borrowers to elect to repay certain loans through written, electronic, or verbal notice to the Secretary of Education, and for other purposes.

1. Short title This Act may be cited as the Empowering Student Borrowers Act . 2. Written, electronic, or verbal enrollment in income-based repayment (a) In general The Secretary of Education shall develop and implement a process that enables a covered borrower of a loan made under part D of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq.) who desires to elect to repay such loan under income-based repayment under subparagraph (D) or (E) of section 455(d)(1) of the Higher Education Act of 1965 ( 20 U.S.C. 1087e(d)(1) ) to make such election through written, electronic, or verbal notice to the Secretary of Education. (b) Covered borrower defined In this section, the term covered borrower means a borrower of a loan made under part D of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq.) who— (1) is enrolled in an income-based repayment under subparagraph (D) or (E) of section 455(d)(1) of the Higher Education Act of 1965 ( 20 U.S.C. 1087e(d)(1) ); or (2) has not yet selected a repayment plan and is in the grace period for such loan.