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United States · Bill · HR

H.R. 4480 (113th)

Protecting Educational Loans for Underserved Students Act

referredUnited States· United States Congress· EN

Introduced

10 April 2014

Last action

13 June 2014 · Referred

Status

Referred to the Subcommittee on Higher Education and Workforce Training.

Sponsors

Rep. Richmond, Cedric L. [D-LA-2], Rep. Green, Al [D-TX-9], Rep. Hastings, Alcee L. [D-FL-20], Rep. Carson, André [D-IN-7], Rep. Lee, Barbara [D-CA-12], Rep. Thompson, Bennie G. [D-MS-2], Rep. Rush, Bobby L. [D-IL-1], Rep. Fattah, Chaka [D-PA-2], Rep. Brown, Corrine [D-FL-5], Rep. Davis, Danny K. [D-IL-7], David Scott, Rep. Payne, Donald M., Jr. [D-NJ-10], Del. Christensen, Donna M. [D-VI-At Large], Rep. Johnson, Eddie Bernice [D-TX-30], Del. Norton, Eleanor Holmes [D-DC-At Large], Rep. Cummings, Elijah E. [D-MD-7], Rep. Cleaver, Emanuel [D-MO-5], Rep. Wilson, Frederica S. [D-FL-24], Rep. Butterfield, G. K. [D-NC-1], Rep. Meeks, Gregory W. [D-NY-5], Rep. Moore, Gwen [D-WI-4], Rep. Jeffries, Hakeem S. [D-NY-8], Rep. Johnson, Henry C. "Hank" [D-GA-4], Rep. Jackson Lee, Sheila [D-TX-18], Rep. Clyburn, James E. [D-SC-6], Rep. Conyers, John, Jr. [D-MI-13], Rep. Beatty, Joyce [D-OH-3], Rep. Bass, Karen [D-CA-37], Rep. Ellison, Keith [D-MN-5], Rep. Veasey, Marc A. [D-TX-33], Rep. Fudge, Marcia L. [D-OH-11], Rep. Waters, Maxine [D-CA-43], Rep. Clay, Wm. Lacy [D-MO-1], Rep. Kelly, Robin L. [D-IL-2], Rep. Bishop, Sanford D. [D-GA-2], Rep. Sewell, Terri A. [D-AL-7], Rep. Clarke, Yvette D. [D-NY-9], Rep. Lewis, John [D-GA-5], Rep. Rangel, Charles B. [D-NY-15], Rep. Scott, Robert C. "Bobby" [D-VA-3]

Subjects

Taxation, Education

Source updated

23 March 2026

Taxation · Education

Official sourceDownload fileView documentsShare

Summary

Protecting Educational Loans for Underserved Students Act - Amends title IV (Student Assistance) of the Higher Education Act of 1965 to establish criteria for the Secretary of Education to use in determining whether the credit history of applicants for William D. Ford Federal Direct PLUS loans renders them ineligible for such loans. (Federal Direct PLUS loans are provided to graduate or professional degree students and the parents of dependent undergraduate students.) Directs the Secretary to consider an applicant to have an adverse credit history on the basis of his or her credit report, absent a determination that the applicant has extenuating circumstances, if : (1) the applicant is 90 or more days delinquent on the repayment of a debt exceeding $2,000; or (2) during the three years before the credit report date, the applicant has been subject to a default determination, bankruptcy discharge, foreclosure, repossession, tax lien, wage garnishment, or write-off of a title IV debt. Requires applicants that have been subject to such actions to participate in loan counseling provided by the applicable institution of higher education before becoming eligible for Federal Direct PLUS loans. Prohibits the Secretary from: (1) denying a Federal Direct PLUS loan to an applicant for having debt that is unrelated to title IV loans and is in collection or has been charged off, provided the applicant participates in such loan counseling; or (2) using the applicant's lack of a credit history as a reason to deny a Federal Direct PLUS loan to such applicant. Requires the Secretary to retain a record of the Secretary's basis for determining that an applicant has extenuating circumstances that make the applicant eligible for a Federal Direct PLUS loan despite having an adverse credit history. Makes the Secretary's determination that an applicant does not have an adverse credit history effective for the two years following such determination.

This text is taken from the official record. PoliticalRepo does not editorialize.

Timeline

  1. 10 April 2014

    Introduced

    Referred to the House Committee on Education and the Workforce.

    Source: IntroReferral

  2. 10 April 2014

    Introduced

    Introduced in House

    Source: IntroReferral

  3. 10 April 2014

    Introduced

    Introduced in House

    Source: IntroReferral

  4. 13 June 2014

    Referred

    Referred to the Subcommittee on Higher Education and Workforce Training.

    Source: Committee

Votes

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Versions

Documents

3 official files

Introduced in House (text)

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  • Introduced in House (text)

    Introduced in House · EN · 10 April 2014

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  • Introduced in House (PDF)

    Introduced in House · EN · 10 April 2014

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  • Introduced in House

    summary · EN · 10 April 2014

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Sponsors

Related records

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Sources

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