family, or retiring, because of their student debt. (8) Despite the recent actions of President Biden's administration to improve the public service loan forgiveness program, these actions are limited and will not fully atone for the repeated, pervasive, and systemic actions by Federal student loan servicers to prevent public servants from fully benefitting from this program. 3. Making forgiveness attainable for public sector workers Section 455(m) of the Higher Education Act of 1965 ( 20 U.S.C. 1087e(m) ) is amended— (1) by striking paragraph (1) and inserting the following: (1) In general The Secretary shall cancel the balance of interest and principal due, in accordance with paragraph (2), on any eligible Federal Direct Loan not in default for a borrower who— (A) obtained an eligible Federal Direct Loan on or after January 1, 1994