Second Chance at Public Service Loan Forgiveness Act

This bill amends the Higher Education Act to fix the Public Service Loan Forgiveness (PSLF) program, which forgives federal student loans after 10 years of public service. It directly affects public servants (e.g., teachers, nurses, police, government workers) with federal student loans who previously faced denial due to unclear rules or servicer errors. Key changes include counting payments made during certain forbearances, deferments, and grace periods toward the required 120 payments, and clarifying that AmeriCorps/Peace Corps service and parent PLUS loans qualify. The bill aims to make forgiveness more accessible by expanding eligible payment types and employment scenarios under the existing PSLF framework.