I 116th CONGRESS 1st Session H. R. 4869 IN THE HOUSE OF REPRESENTATIVES October 28, 2019 Ms. Kendra S. Horn of Oklahoma introduced the following bill; which was referred to the Committee on Education and Labor A BILL To amend the Higher Education Act of 1965 to remove all adverse credit history related to a loan from the credit history of a borrower who has rehabilitated the loan.

1. Short title This Act may be cited as the Student Loan Default Reduction Program Act . 2. Default reduction program Section 428F(a)(1)(C) of the Higher Education Act of 1965 ( 20 U.S.C. 1078–6(a)(1)(C) ) is amended by striking to remove the record of the default from the borrower's credit history and inserting to remove any adverse item of information relating to such loan from the borrower’s credit history .