[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