Debt Relief and Farm Credit Access Act

This bill amends the Consolidated Farm and Rural Development Act to improve access to farm credit and debt relief. It lowers the experience requirement for direct farm loans (from 1 year to potentially waived for new farmers with mentorship or education), expands refinancing options for existing borrowers, and increases the lifetime debt forgiveness limit from $300,000 to $600,000. Beginning farmers benefit from new mentorship pathways, while all borrowers gain clearer refinancing rules and higher debt relief caps. The changes directly affect farmers seeking loans or debt relief through USDA programs, focusing on practical access rather than new programs.