No Debt Forgiveness for SPOILED Students Act

This bill blocks federal student loan forgiveness for students or faculty expelled from colleges for specific misconduct. It applies to those expelled for hate crimes, disorderly conduct, trespassing, public disturbances, or violating civil rights laws (Titles IV/V of the Civil Rights Act). Affected individuals must repay their loans under a standard 10-year plan instead of qualifying for forgiveness programs. The law directly impacts borrowers whose institutional expulsion meets these defined grounds.