People who fully repay a defaulted federal student loan could get related bad marks removed from their credit reports. The loan holder would have to ask credit bureaus to remove that information.
Modern Action explains what the legislation does, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
Clean Slate through Repayment Act of 2023 is a House bill in Congress.
Who this affects: This bill mainly affects people who defaulted on a federal student loan and later paid back the full amount owed. It also affects the Department of Education, guaranty agencies, other loan holders, and credit bureaus because they would need to handle the removal requests.
Why this matters: A student loan default can hurt a person long after the debt is paid. This bill could help some borrowers move forward once they repay the full amount. It may make it easier or cheaper to get housing, a car loan, a mortgage, or other credit. The exact effect would depend on how lenders use the updated credit report.
You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.
Keep acting on Modern Action
Compare the broader issue and related bills without leaving Modern Action.
Officially: Clean Slate through Repayment Act of 2023
People who fully repay a defaulted federal student loan could get related bad marks removed from their credit reports. The loan holder would have to ask credit bureaus to remove that information.
Use this page to support, oppose, or ask Congress to amend HR4635. Modern Action explains what the bill does, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in House Committee
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
Enter your ZIP to see how your senators and member of Congress have voted, sponsored, or spoken on this bill.
Where this bill is in the process
Introduced
Introduced in House
House Committee
Under House committee consideration
House Floor Vote
Voted on by House
Passed House
Approved by House
Senate Review
Sent to Senate for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your House representative when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to Clean Slate through Repayment Act of 2023, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it does, where it is in the process (introduced), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around HR4635, your stance, and the reasons you choose, then lets you edit and send when ready.
