S.1863

VALOR Act of 2025 modifies public service loan forgiveness eligibility for certain military and NOAA personnel.

The VALOR Act of 2025 amends the Higher Education Act of 1965 to change eligibility for the public service loan forgiveness program. It waives the 10-year employment requirement for borrowers who completed 10 years of full-time employment in active duty service, including National Guard service. The bill also ensures that borrowers in covered active duty service can receive loan forgiveness regardless of when they enrolled in the program.