; and (2) those servicers are held responsible with respect to the loss of benefits of TEACH grant recipients due to servicer failures. . 6. Loan forgiveness and cancellation for educators in high need schools or early childhood education programs (a) Enhanced teacher loan forgiveness under the FFEL program Section 428J of the Higher Education Act of 1965 ( 20 U.S.C. 1078–10 ) is amended to read as follows: 428J. Loan forgiveness for educators in high need schools or early childhood education programs (a) Purpose It is the purpose of this section to enhance student access to a well-prepared, diverse, and stable educator workforce by eliminating debt burdens for educators in return for service teaching and leading in high need schools or early childhood education programs. (b) Program authorized Not later than 270 days after the date of enactment of the EDUCATORS for America Act , the Secretary shall carry out a program, through the holder of the loan, of assuming, as required under subsection (c), the obligation to repay a covered loan for qualifying educators engaged in qualifying service. A qualifying educator may apply for the program under this section after the Secretary has begun carrying out the program. (c) Forgiveness of covered loans (1) Forgiveness of loans upon completion of qualifying service (A) In general For each qualifying educator who has completed 5 years of qualifying service (including any qualifying service, as defined under this section as in effect after the date of implementation of the EDUCATORS for America Act , that may have been completed or performed before or after such date of implementation, or a combination of qualifying service), the Secretary shall assume the obligation to repay an amount equal to 100 percent of the aggregate of the loan obligations (including interest and fees) on all covered loans that are outstanding as of the date of completion of such fifth year of qualifying service. (B) Timing The years of qualifying service required under subparagraph (A) may be