VALOR Act of 2025

The VALOR Act of 2025 modifies the Public Service Loan Forgiveness (PSLF) program to better support military service members and veterans with federal student loans. It directly affects borrowers who served in covered active duty, including National Guard members and the NOAA commissioned corps, during their loan repayment period. Key provisions count deferred or forbearance payments made while serving as qualifying payments, waive the standard 10-year full-time public service requirement if the borrower completed 10 years of active duty during the loan term, and allow borrowers to receive forgiveness regardless of when they enrolled in PSLF.