[19980708]98-291EPW_学生贷款：重新授权的建议.pdf

Congressional Research Service The Library of CongressCRS Report for CongressReceived through the CRS Web98-291 EPWUpdated July 8, 1998Student Loans: Proposals for ReauthorizationMargot A. SchenetSpecialist in Social LegislationEducation and Public Welfare DivisionSummaryThe Higher Education Act of 1965 (HEA) is being considered for reauthorizationin the 2 session of the 105 Congress. Title IV of the act authorizes the two majorndthstudent loan programs, the Federal Family Education Loan (FFEL) program and theDirect Loan program, which are the largest source of aid for students. Proposals forreauthorization assume the continued existence of both programs; issues center aroundstudent loan interest rates, other terms and conditions of loans in both programs, andguaranty agency financing in the FFEL. Both House and Senate authorizing committeeshave marked up HEA reauthorization bills that include student loan provisions. BothH.R. 6 and S. 1882 would, among other things, establish a new interest rate formula thatwould give students a rate comparable to that which is scheduled in current law to takeeffect July 1, 1998, while assuring lenders of a higher return. Both bills also includepr