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HR 2028119th CongressIntroduced
REDI Act
Introduced: Oct 29, 2025
EducationHealthcareLabor & Employment
Standard Summary
Comprehensive overview in 1-2 paragraphs
The REDI Act amends the Higher Education Act of 1965 to establish interest-free student loan deferment for medical and dental residents during internship or residency programs, eliminating accrued interest during this training period to alleviate financial burdens 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 training as a qualifying condition for loan deferment.
- 2During deferment periods for these healthcare trainees, no interest will accumulate on federal student loans, representing a significant financial relief from current interest-accruing policies.
- 3This provision specifically targets early-career physicians and dentists who face high debt loads while earning relatively low residency salaries during mandatory training years.
Impact Areas
Medical residents and interns in accredited training programsDental residents undergoing post-graduate clinical educationHealthcare professionals managing student loan debt during low-compensation training phasesFederal student loan borrowers pursuing medical or dental careers
Generated by legislative-analyst-v3 on Nov 2, 2025