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S 942119th CongressIntroduced
REDI Act
Introduced: Oct 29, 2025
EducationHealthcare
Standard Summary
Comprehensive overview in 1-2 paragraphs
The REDI Act amends the Higher Education Act of 1965 to establish interest-free deferment for medical and dental residents and interns on federal student loans, eliminating accrued interest during their training programs to reduce financial strain on healthcare professionals in post-graduate education.
Key Points
- 1The legislation modifies Section 455(f) of the Higher Education Act to explicitly include medical and dental residency or internship programs as qualifying circumstances for loan deferment.
- 2During the deferment period, borrowers in these healthcare training programs will not be required to make principal payments and will experience zero interest accumulation on their federal student loans.
- 3This provision specifically targets early-career physicians and dentists to alleviate overwhelming student debt burdens during their low-salary residency training years.
Impact Areas
Medical residents and interns in accredited programsDental residents and interns pursuing post-graduate trainingFederal student loan borrowers within healthcare professions
Generated by legislative-analysis-core-v3 on Nov 9, 2025