HR 5816 119th Congress
HELP FEDs Act
To prohibit penalties, interest accrual, negative credit implications, or other adverse actions for qualified student loans for Federal employees during a lapse in Federal funding.
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Bill journey
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Introduction Congress.gov
Introduced
Introduced in the House.
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Referred to the House Committee on Education and Workforce.
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Introduced in House
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Introduced in House
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Introduced in House
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| Date and time | Record | Official detail | Source |
|---|---|---|---|
| IntroductionIntroduced | Introduced in the House. | Congress.gov | |
| Official actionReferred to the House Committee on Education and Workforce. | No additional detail supplied.IntroReferral · House floor actions · Code H11100 | Congress.gov | |
| Official actionIntroduced in House | No additional detail supplied.IntroReferral · Library of Congress · Code Intro-H | Congress.gov | |
| Official actionIntroduced in House | No additional detail supplied.IntroReferral · Library of Congress · Code 1000 | Congress.gov | |
| Text versionIntroduced in House | A dated text-version record is available. | Congress.gov |
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Congressional Research Service
CRS summary
Halting Education Loan Payments during Federal Employment Disruptions Act or the HELP FEDs ActThis bill waives late fees, penalties, and other adverse actions for federal employees who miss student loan payments during a lapse in appropriations (i.e., government shutdown). The bill applies to education loans made, insured, or guaranteed under the Higher Education Act of 1965, including loans held by the Department of Education (ED) or contracted loan servicers.Under the bill, a federal employee who misses a student loan payment that is due during a period of involuntary disruption of pay (i.e., the employee did not receive scheduled wages due to a lapse in appropriations) may not be assessed a late fee or penalty or be subject to other adverse actions. The bill also prohibits federal employees from incurring additional interest on such loans during an involuntary disruption of pay. In addition, the bill requires ED to coordinate with credit reporting agencies and loan servicers to ensure that no adverse information related to delayed or missed student loan payments of a federal employee during an involuntary disruption of pay is furnished to any consumer reporting agency. The bill applies retroactively to any involuntary disruption of pay occurring on or after October 1, 2025.
Official documents
Text versions
- Introduced in HouseOct 24, 2025