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HD 1546

An Act increasing awareness of public student loan forgiveness

194th Legislature (2025-2026) Introduced by Jamie Eldridge and 2 co-sponsors

Massachusetts must develop an awareness campaign informing students and borrowers about federal Public Service Loan Forgiveness programs to increase participation among eligible public sector workers.

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Bill Summary · HD 1546

Legislative bill overview

HD 1546 requires the Massachusetts Department of Higher Education to develop and implement an awareness campaign about federal Public Service Loan Forgiveness (PSLF) programs. The bill mandates that information about these forgiveness programs be distributed to students, borrowers, and the public through multiple channels, including educational institutions and state agencies.

Why is this important

Many eligible borrowers remain unaware of PSLF programs that can forgive federal student loans after 10 years of qualifying public service employment. Increased awareness could help Massachusetts residents access significant financial relief, potentially saving thousands of dollars for teachers, social workers, public health officials, and other public sector employees. Low participation rates in existing PSLF programs suggest information gaps are a genuine barrier to accessing these benefits.

Potential points of contention

  • Cost and implementation: The bill doesn't specify funding levels, raising questions about how the state will finance the awareness campaign and ongoing administrative costs.
  • Federal program reliability: PSLF has faced criticism for administrative problems and denial rates; promoting it could raise expectations about a federal program over which Massachusetts has limited control.
  • Scope limitations: The bill focuses on awareness rather than addressing structural barriers like income-driven repayment plan enrollment or employer certification issues that also limit PSLF participation.

Compiled from official sources — confirm details with the bill’s official record.

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