[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 3530 Introduced in House (IH)]
<DOC>
119th CONGRESS
1st Session
H. R. 3530
To amend the Higher Education Act of 1965 to increase the Federal
student loan limits for students in flight education and training
programs.
_______________________________________________________________________
IN THE HOUSE OF REPRESENTATIVES
May 21, 2025
Mr. Davis of North Carolina (for himself and Mrs. Kiggans of Virginia)
introduced the following bill; which was referred to the Committee on
Education and Workforce
_______________________________________________________________________
A BILL
To amend the Higher Education Act of 1965 to increase the Federal
student loan limits for students in flight education and training
programs.
Be it enacted by the Senate and House of Representatives of the
United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the ``Flight Education Access Act''.
SEC. 2. INCREASE IN FEDERAL STUDENT LOAN LIMITS FOR STUDENTS IN FLIGHT
EDUCATION AND TRAINING PROGRAMS.
Section 455 of the Higher Education Act of 1965 (20 U.S.C. 1087e)
is amended--
(1) in subsection (p)--
(A) by striking ``Each institution'' and inserting
the following:
``(1) In general.--Each institution'';
(B) in paragraph (1) (as designated by subparagraph
(A)), by inserting before the period at the end the
following: ``and, shall, with respect to Federal Direct
Stafford Loans and Federal Direct Unsubsidized Stafford
Loans made after the date of enactment of the Flight
Education Access Act to an eligible student (as defined
in subsection (r)), comply with the requirements of
paragraph (2)''; and
(C) by adding at the end the following:
``(2) Additional disclosures.--At or prior to the
disbursement of a Federal Direct Stafford Loan or Federal
Direct Unsubsidized Stafford Loan after the date of enactment
of the Flight Education Access Act to an eligible student (as
defined in subsection (r)), the following shall be disclosed:
``(A) The principal amount of the loan, the stated
interest rate on the loan, the number of required
monthly payments to be made on the loan (which shall be
based on a standard repayment plan), and the estimated
number of months before the start of the repayment
period for the loan (based on the expected date on
which the repayment period is to begin or the deferment
period is to end, as applicable).
``(B) The estimated balance to be owed by the
borrower on such loan (including, if applicable, the
estimated amount of interest to be capitalized) as of
the scheduled date on which the repayment period is to
begin or the deferment period is to end, as applicable,
and an estimate of the projected monthly payment.
``(C) An estimate of the aggregate amount the
borrower will pay for the loan, including the total
amount of monthly payments made over the life of the
loan plus the amount of any charges for the loan, such
as an origination fee.''; and
(2) by adding at the end the following:
``(r) Increase in Loan Limits for Students in Flight Education and
Training Programs.--
``(1) In general.--Notwithstanding any other provision of
this Act, the loan limits for Federal Direct Stafford Loans and
Federal Direct Unsubsidized Stafford Loans made after the date
of enactment of the Flight Education Access Act with respect to
eligible students shall be subject to this subsection.
``(2) Definitions.--In this section:
``(A) Eligible student.--The term `eligible
student' means a student who is enrolled in an eligible
undergraduate flight education and training program.
``(B) Eligible undergraduate flight education and
training program.--The term `eligible undergraduate
flight education and training program' means an
undergraduate flight education and training program
that offers training for applicants seeking a
commercial pilot certificate and--
``(i) during the period beginning on the
date of enactment of the Flight Education
Access Act and ending on the date on which 3
years of data has been collected pursuant to
paragraph (3)(D), that meets all the applicable
requirements of this Act; and
``(ii) beginning on the date on which 3
years of data has been collected pursuant to
paragraph (3)(D), that meets all the applicable
requirements of this Act and has a completion
rate averaged over a 3-year period, as
calculated under paragraph (3)(D) that is equal
to or greater than 70 percent.
``(C) Undergraduate flight education and training
program.--The term `undergraduate flight education and
training program'--
``(i) has the meaning given the term by the
Secretary, in consultation with the
Administrator of the Federal Aviation
Administration;
``(ii) shall include a flight education and
training program offered by an eligible
institution that is accredited by an
accrediting agency recognized by the Secretary,
that--
``(I) awards undergraduate
certificates or associate or bachelor
degrees; and
``(II) provides pilot training in
accordance with part 141 of title 14,
Code of Federal Regulations, or any
successor regulation; and
``(iii) shall not include a flight
education and training program certified under
part 61 of title 14, Code of Federal
Regulations, or any successor regulation.
``(3) Loan limits for eligible undergraduate flight
education and training programs.--
``(A) Limits for eligible students who are
dependent students.--
``(i) Annual limits.--The maximum annual
amount of Federal Direct Unsubsidized Stafford
Loans an eligible student who is a dependent
student may borrow in any academic year (as
defined in section 481(a)(2)) or its equivalent
shall be--
``(I) in the case of an eligible
student at an eligible institution who
has not successfully completed the
first year of an eligible undergraduate
flight education and training program--
``(aa) $20,500, if such
student is enrolled in such a
program whose length is at
least one academic year in
length; or
``(bb) if such student is
enrolled in such a program that
is less than one academic year,
the maximum annual loan amount
that such student may receive
may not exceed the amount that
bears the same ratio to the
amount specified in item (aa)
as the length of such program
measured in semester,
trimester, quarter, or clock
hours bears to one academic
year;
``(II) in the case of an eligible
student at an eligible institution who
has successfully completed the first
year of an eligible undergraduate
flight education and training program
but has not yet successfully completed
the remainder of such program--
``(aa) $31,500; or
``(bb) if such student is
enrolled in such a program that
is less than one academic year,
the maximum annual loan amount
that such student may receive
may not exceed the amount that
bears the same ratio to the
amount specified in item (aa)
as the length of such program
measured in semester,
trimester, quarter, or clock
hours bears to one academic
year;
``(III) in the case of a student at
an eligible institution who has
successfully completed the first year
and second years of an eligible
undergraduate flight education and
training program but has not yet
successfully completed the remainder of
such program--
``(aa) $32,500; or
``(bb) if such student is
enrolled in such a program that
is less than one academic year,
the maximum annual loan amount
that such student may receive
may not exceed the amount that
bears the same ratio to the
amount specified in item (aa)
as the length of such program
measured in semester,
trimester, quarter, or clock
hours bears to one academic
year; and
``(IV) in the case of a student at
an eligible institution who has
successfully completed the first,
second, and third years of an eligible
undergraduate flight education and
training program but has not yet
successfully completed the remainder of
such program--
``(aa) $22,500; or
``(bb) if such student is
enrolled in such a program that
is less than one academic year,
the maximum annual loan amount
that such student may receive
may not exceed the amount that
bears the same ratio to the
amount specified in item (aa)
as the length of such program
measured in semester,
trimester, quarter, or clock
hours bears to one academic
year.
``(ii) Aggregate limits.--The maximum
aggregate amount of Federal Direct Unsubsidized
Stafford Loans an eligible student who is a
dependent student may borrow shall be $111,000.
``(B) Limits for eligible students who are
independent students.--
``(i) Annual limits.--The maximum annual
amount of Federal Direct Unsubsidized Stafford
Loans an eligible student who is an independent
student may borrow in any academic year (as
defined in section 481(a)(2)) or its equivalent
shall be--
``(I) in the case of an eligible
student at an eligible institution who
has not successfully completed the
first year of an eligible undergraduate
flight education and training program--
``(aa) $24,500, if such
student is enrolled in such a
program whose length is at
least one academic year in
length; or
``(bb) if such student is
enrolled in such a program that
is less than one academic year,
the maximum annual loan amount
that such student may receive
may not exceed the amount that
bears the same ratio to the
amount specified in item (aa)
as the length of such program
measured in semester,
trimester, quarter, or clock
hours bears to one academic
year;
``(II) in the case of an eligible
student at an eligible institution who
has successfully completed the first
year of an eligible undergraduate
flight education and training program
but has not yet successfully completed
the remainder of such program--
``(aa) $35,500; or
``(bb) if such student is
enrolled in such a program that
is less than one academic year,
the maximum annual loan amount
that such student may receive
may not exceed the amount that
bears the same ratio to the
amount specified in item (aa)
as the length of such program
measured in semester,
trimester, quarter, or clock
hours bears to one academic
year;
``(III) in the case of a student at
an eligible institution who has
successfully completed the first year
and second years of an eligible
undergraduate flight education and
training program but has not yet
successfully completed the remainder of
such program--
``(aa) $37,500; or
``(bb) if such student is
enrolled in such a program that
is less than one academic year,
the maximum annual loan amount
that such student may receive
may not exceed the amount that
bears the same ratio to the
amount specified in item (aa)
as the length of such program
measured in semester,
trimester, quarter, or clock
hours bears to one academic
year; and
``(IV) in the case of a student at
an eligible institution who has
successfully completed the first,
second, and third years of an eligible
undergraduate flight education and
training program but has not yet
successfully completed the remainder of
such program--
``(aa) $27,500; or
``(bb) if such student is
enrolled in such a program that
is less than