Strengthening Loan Forgiveness for Public Service Workers Act

This bill expands public service loan forgiveness for borrowers with federal student loans made after its enactment. It provides incremental forgiveness: 15% after 24 payments (2 years), an additional 15% after 48 payments (4 years), another 15% after 72 payments (6 years), and a final 15% after 96 payments (8 years), totaling 60% forgiven by year 8. After 120 payments (10 years) while working in public service, the entire remaining loan balance is canceled, with automatic deferment during processing. Borrowers must maintain public service employment and provide simplified employment certification via an automated system or basic form. It directly affects public service workers (e.g., teachers, firefighters, government employees) with qualifying federal student loans.