National Guard and Reserve Student Loan Fairness Act

This bill helps National Guard and Reserve members who make student loan payments while serving by counting their service time toward student loan forgiveness. It allows the government to automatically count each month of qualifying service (based on retirement points) as a qualifying payment for loan forgiveness programs, without requiring members to apply separately. The Department of Defense and Department of Education will jointly match service records with loan payment data to verify eligibility. This directly benefits reserve members who serve full or partial years (measured in retirement points) while making eligible student loan payments.