{
  "legislationId": "119_HR_8009",
  "lastUpdate": "2026-04-02T11:23:18.547Z",
  "history": [
    {
      "timestamp": "2026-04-02T11:23:18.547Z",
      "source_url": "https://www.congress.gov/119/bills/hr8009/BILLS-119hr8009ih.htm",
      "model": "gemini-flash-lite-latest",
      "prompt_sent": "\nROLE: Fact Checker.\nZADANIE: Porównaj SOURCE (oryginał) i SUMMARY (streszczenie przygotowane przez inne AI).\n\nTwoim celem jest wykrycie \"ZMYŚLONYCH KONKRETÓW\" (Fabricated Entities) w SUMMARY.\n\nSOURCE:\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8009 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8009 To amend the Higher Education Act of 1965 to provide for institutional ineligibility based on low cohort repayment rates and to require risk- sharing payments of institutions of higher education. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 19, 2026 Mrs. Houchin (for herself and Ms. Perez) introduced the following bill; which was referred to the Committee on Education and Workforce _______________________________________________________________________ A BILL To amend the Higher Education Act of 1965 to provide for institutional ineligibility based on low cohort repayment rates and to require risk- sharing payments of institutions of higher education. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Student Protection and Success Act''. SEC. 2. INSTITUTIONAL INELIGIBILITY BASED ON LOW COHORT REPAYMENT RATE. (a) In General.--Section 455 of the Higher Education Act of 1965 (20 U.S.C. 1087e) is amended by adding at the end the following: ``(r) Ineligibility Due to Low Cohort Repayment Rate.-- ``(1) In general.--Beginning with fiscal year 2028 and each succeeding fiscal year, an institution that has a cohort repayment rate that is equal to or less than 15 percent shall not be eligible to participate in a program under this part for such fiscal year and for the 2 succeeding fiscal years. ``(2) Appeals.-- ``(A) In general.--An institution may appeal the loss of eligibility under this subsection to the Secretary within 30 days of receiving notification from the Secretary of the loss of eligibility under this subsection. ``(B) Continued participation.--During an appeal under subparagraph (A), the Secretary may permit the institution to continue to participate in a program under this part if the institution demonstrates to the satisfaction of the Secretary that the Secretary's calculation of its cohort repayment rate is not accurate, and that recalculation would increase its cohort repayment rate to be more than 15 percent. ``(C) Required payment.--If an institution continues to participate in a program under this part, and the institution's appeal of the loss of eligibility is unsuccessful, the institution shall be required to pay to the Secretary an amount equal to the amount of loans made by the Secretary under this part to borrowers attending, or planning to attend, that institution during the pendency of such appeal and the interest, special allowance, reinsurance, and any related payments made by the Secretary (or which the Secretary is obligated to make) with respect to such loans. ``(3) Cohort repayment rate.-- ``(A) In general.--In this subsection, the term `cohort repayment rate' means, for any fiscal year beginning with fiscal year 2028-- ``(i) in the case in which 30 or more borrowers at the institution enter repayment on Federal Direct Stafford Loans, Federal Direct Unsubsidized Stafford Loans, Federal Direct PLUS Loans, or Federal Direct Consolidation Loans, received for attendance at the institution, the percentage of those borrowers who are not in default and who make at least a one dollar reduction on their initial student loan principal balance before the end of the second fiscal year following the fiscal year in which the borrowers entered repayment, except as provided in subparagraph (B); and ``(ii) in the case in which less than 30 borrowers at the institution enter repayment on Federal Direct Stafford Loans, Federal Direct Unsubsidized Stafford Loans, Federal Direct PLUS Loans, or Federal Direct Consolidation Loans, received for attendance at the institution, the percentage of those borrowers plus all of the borrowers at the institution who entered repayment on such loans (or on the portion of a loan made under section 428C that is used to repay any such loans) in the 3 fiscal years preceding the fiscal year for which the determination is made, who are not in default and who make at least a one dollar reduction on their initial student loan principal balance before the end of the second fiscal year following the year in which the borrowers entered repayment, except as provided in subparagraph (B). ``(B) Exception.--The `cohort repayment rate' calculation under subparagraph (A) shall not include in the calculation a borrower who is-- ``(i) in deferment on repayment of a loan described in subparagraph (A) due to study in an approved graduate fellowship program or in an approved rehabilitation training program for the disabled; ``(ii) in deferment on repayment of a loan described in subparagraph (A) during a period of at least half-time enrollment in college or a career school; ``(iii) in deferment on repayment of a loan described in subparagraph (A) during a period of service qualifying for loan discharge or cancellation under part E; ``(iv) in deferment on repayment of a loan described in subparagraph (A) due to active duty military service of the borrower during a war, military operation, or national emergency; ``(v) in deferment on repayment of a loan described in subparagraph (A) during the 13 months following the conclusion of qualifying active duty military service by the borrower, or until the borrower returns to enrollment on at least a half-time basis, whichever is earlier, if the borrower is a member of the National Guard or other reserve component of the Armed Forces and was called or ordered to active duty while enrolled at least half-time at an eligible school or within 6 months of having been enrolled at least half-time; ``(vi) in mandatory forbearance on repayment of a loan described in subparagraph (A) for the full fiscal year; or ``(vii) serving as a volunteer under the Peace Corps Act (22 U.S.C. 2501 et seq.) or the Domestic Volunteer Service Act of 1973 (42 U.S.C. 4950 et seq.). ``(C) Publication of repayment rates.--The Secretary shall publish the cohort repayment rates for institutions determined under this subsection. ``(4) Notification.--Beginning with the first fiscal year for which data are available after the date of enactment of the Student Protection and Success Act and each succeeding fiscal year until fiscal year 2028, the Secretary shall notify each institution that has a cohort repayment rate that is equal to or less than 15 percent that the institution risks losing eligibility to participate in a program under this part.''. (b) Ineligibility in Other Programs.-- (1) Pell grants.--Section 401(j) of the Higher Education Act of 1965 (20 U.S.C. 1070a(j)) is amended-- (A) in the heading, by striking ``Based on Default Rates''; (B) in paragraph (1), by inserting ``until fiscal year 2028'' after ``succeeding fiscal year''; (C) in paragraph (2), by inserting ``or cohort repayment rate determination'' after ``default rate determination''; and (D) by adding at the end the following: ``(3) Ineligibility based on low cohort repayment rates.-- No institution of higher education shall be an eligible institution for purposes of this subpart if such institution of higher education is ineligible to participate in a program under part D due to a low cohort repayment rate, as determined under section 455(r).''. (2) Student loan insurance program.--Section 435(a) of the Higher Education Act of 1965 (20 U.S.C. 1085(a)) is amended-- (A) in paragraph (2)-- (i) in the heading, by striking ``based on high default rates''; (ii) in subparagraph (A), by striking ``An institution'' and inserting ``Until fiscal year 2028, an institution''; and (iii) by adding at the end the following: ``(E) No institution of higher education shall be an eligible institution for purposes of this part if such institution of higher education is ineligible to participate in a program under part D due to a low cohort repayment rate, as determined under section 455(r).''; and (B) in paragraph (6)(A), by inserting ``and until fiscal year 2028,'' after ``July 1, 1999,''. (3) Federal perkins loans.--Section 462 of the Higher Education Act of 1965 (20 U.S.C. 1087bb) is amended-- (A) in subsection (a)-- (i) in paragraph (1), by inserting ``or the institution is ineligible to participate in a program under part D due to a low cohort repayment rate, as determined under section 455(r)'' after ``subsection (f)''; and (ii) in paragraph (2)(D), by inserting ``or the institution is ineligible to participate in a program under part D due to a low cohort repayment rate, as determined under section 455(r)'' after ``subsection (f)''; (B) in subsection (b)-- (i) in paragraph (2), by inserting ``or the institution is ineligible to participate in a program under part D due to a low cohort repayment rate, as determined under section 455(r)'' after ``subsection (f)''; and (ii) in paragraph (3), by inserting ``or the institution is ineligible to participate in a program under part D due to a low cohort repayment rate, as determined under section 455(r)'' after ``subsection (f)''; (C) in subsection (e)-- (i) in paragraph (2), by inserting ``until fiscal year 2028,'' after ``succeeding fiscal year''; and (ii) in paragraph (3)-- (I) in subparagraph (A), by inserting ``until fiscal year 2028,'' after ``any succeeding fiscal year''; and (II) by adding at the end the following: ``(F) Low cohort repayment rates.--An institution that is ineligible to participate in a program under part D due to a low cohort repayment rate, as determined under section 455(r), shall not be eligible to participate in a program under this part.''; and (D) in subsection (f)(2), by inserting ``until fiscal year 2028,'' after ``subsequent years''. SEC. 3. COLLEGE OPPORTUNITY BONUS PROGRAM. Subpart 1 of part A of title IV of the Higher Education Act of 1965 (20 U.S.C. 1070a et seq.) is amended by adding at the end the following: ``SEC. 401B. COLLEGE OPPORTUNITY BONUS PROGRAM. ``(a) Program Authority.-- ``(1) In general.--Beginning with fiscal year 2028 and each succeeding fiscal year, the Secretary shall award grants to eligible institutions of higher education that are distributed under a formula determined by the Secretary under subsection (d). ``(2) Eligible institution.--In this section, the term `eligible institution of higher education' means an institution of higher education that has a cohort repayment rate (as defined in section 455(r)(3)) that is greater than 25 percent. ``(b) Grants.--The Secretary shall award grants to eligible institutions of higher education that the Secretary determines have a strong record of making college more affordable and increasing college access and success for low-income and moderate-income students. ``(c) Uses of Funds.--Each eligible institution of higher education that receives a grant under this section may use the grant funds to support reforms to further increase college access and success for low- and moderate-income students, by making key investments and adopting best practices, including by considering best practices reported under section 5 of the Student Protection and Success Act, and by-- ``(1) awarding additional need-based financial aid to students enrolled at the institution who are eligible to receive a Federal Pell Grant; ``(2) enhancing academic and student support services; and ``(3) establishing or expanding accelerated learning opportunities. ``(d) Amount of Grant Funds.-- ``(1) In general.--Each eligible institution of higher education that receives a grant under this section shall receive annual grant funds based on a formula determined by the Secretary that equally considers-- ``(A) the number and percentage of students enrolled at the institution who are eligible to receive a Federal Pell Grant; ``(B) the cohort repayment rate (as defined in section 455(r)(3)) of students enrolled at the institution who are eligible to receive a Federal Pell Grant; and ``(C) the institution's student service expenditures as a percentage of the institution's student service resources. ``(2) Cap.--Each eligible institution of higher education that receives a grant under this section shall receive grant funds for a fiscal year in an amount that is not more than 2.5 percent of the amount equal to the eligible institution's total annual revenues and investment returns less auxiliary enterprise revenues and hospital revenues, as defined in the IPEDS Finance Survey, for the most recent fiscal year upon which the eligible institution's audited financial reports are available. ``(e) Supplement Not Supplant.--Funds made available under this section shall be used to supplement, and not supplant-- ``(1) other State funds that States would otherwise expend to carry out activities under this section to improve college affordability and graduate additional low- and moderate-income students; and ``(2) institutional funds that eligible institutions of higher education receiving a grant under this section would otherwise expend to carry out activities under this section to improve college affordability and graduate additional low- and moderate-income students. ``(f) Funding.--The grant program under this section shall be funded only with risk-sharing payments received by the Secretary under section 454(d).''. SEC. 4. RISK-SHARING PAYMENTS. Section 454 of the Higher Education Act of 1965 (20 U.S.C. 1087d) is amended-- (1) in subsection (a)-- (A) in paragraph (6), by striking ``and'' after the semicolon; (B) in paragraph (7), by striking the period at the end and inserting ``; and''; and (C) by adding at the end the following: ``(8) provide that the institution accepts the institutional risk-sharing requirements under subsection (d), if applicable.''; and (2) by adding at the end the following: ``(e) Institutional Risk-Sharing Based on Cohort Nonrepayment Loan Balances.-- ``(1) In general.--Beginning with fiscal year 2028 and each succeeding fiscal year, each institution of higher education participating in the direct student loan program under this part shall remit to the Secretary, at such times as the Secretary may specify, a risk-sharing payment based on the cohort nonrepayment loan balance of the institution, as determined under paragraph (2). ``(2) Determination of risk-sharing payments.-- ``(A) Determination of cohort loan balance.--The cohort loan balance of an institution for a fiscal year equals the total principal amount of all loans made under this part to attend such institution for the cohort of borrowers who entered repayment, deferment, or forbearance on such loans in the third preceding fiscal year for which the determination is made. ``(B) Determination of cohort nonrepayment loan balance.-- ``(i) In general.--The cohort nonrepayment loan balance of an institution for a fiscal year equals, from the total amount of the loans described in subparagraph (A), the total loan balance of those borrowers who have not made at least a 1 dollar reduction in their principal balance in the 3 consecutive fiscal years since their loans entered repayment, deferment, or forbearance. ``(ii) Exception.--The cohort nonrepayment loan balance calculation under clause (i) shall not take into consideration a borrower who was-- ``(I) in deferment on repayment of a loan described in subparagraph (A) in the 3 consecutive fiscal years described in clause (i) due to study in an approved graduate fellowship program or in an approved rehabilitation training program for the disabled; ``(II) in deferment on repayment of a loan described in subparagraph (A) in the 3 consecutive fiscal years described in clause (i) during which time the borrower was in a period of at least half-time enrollment in college or a career school; ``(III) in deferment on repayment of a loan described in subparagraph (A) in the 3 consecutive fiscal years described in clause (i) during which time the borrower was in a period of service qualifying for loan discharge or cancellation under part E; ``(IV) in deferment on repayment of a loan described in subparagraph (A) in the 3 consecutive fiscal years described in clause (i) during which time the borrower was on active duty military service during a war, military operation, or national emergency; ``(V) in mandatory forbearance on repayment of a loan described in subparagraph (A) for the full fiscal year; or ``(VI) serving as a volunteer under the Peace Corps Act (22 U.S.C. 2501 et seq.) or the Domestic Volunteer Service Act of 1973 (42 U.S.C. 4950 et seq.), during the 3 consecutive fiscal years described in clause (i). ``(C) Determination of payment.-- ``(i) In general.-- ``(I) In general.--Except as provided in subclause (II), the risk- sharing payment of an institution for a fiscal year equals 2 percent of the amount determined under clause (ii). ``(II) Cap.--The risk-sharing payment of an institution for a fiscal year shall not be more than 2.5 percent of the amount equal to the institution's total annual revenues and investment returns less auxiliary enterprise revenues and hospital revenues, as defined in the IPEDS Finance Survey, for the most recent fiscal year upon which the institution's audited financial reports are available. ``(ii) Amount based on cohort nonrepayment loan balance and unemployment rate.-- ``(I) In general.--The amount under this clause is determined by subtracting the amount determined under subclause (II) from the cohort nonrepayment loan balance determined under subparagraph (B). ``(II) Amount based on unemployment rate.--The amount under this subclause is determined by multiplying the average national unemployment rate, as defined by the Bureau of Labor Statistics, for the 3 previous fiscal years from the date of the determination by the cohort loan balance determined under subparagraph (A). ``(3) Notification.--Beginning with the first fiscal year for which data are available after the date of enactment of the Student Protection and Success Act and each succeeding fiscal year until fiscal year 2028, the Secretary shall notify each institution of higher education participating in the direct student loan program under this part of what the risk-sharing payment based on the cohort nonrepayment loan balance of the institution, as determined under paragraph (2), would be for such institution if such provision were in effect.''. SEC. 5. REPORT. Not later than 6 months after the date of enactment of the Student Protection and Success Act, the Secretary of Education shall submit to Congress a report-- (1) on best practices for institutions of higher education to improve repayment rates; and (2) that makes recommendations on how institutions of higher education can improve repayment rates, with a particular emphasis on institutions that serve a high proportion of low- income students. SEC. 6. STUDENT SERVICE EXPENDITURES AND RESOURCES. Section 153(a)(1)(I) of the Education Sciences Reform Act of 2002 (20 U.S.C. 9543(a)(1)(I)) is amended to read as follows: ``(I) the financing and management of education, including data on revenues and expenditures, and information regarding-- ``(i) student service expenditures, that-- ``(I) includes instruction, information technology, and other activities whose primary purpose is to contribute to students' emotional and physical well-being and to their intellectual, cultural, and social development inside and outside the context of the formal instructional program; and ``(II) does not include expenditures on marketing, recruitment, or intercollegiate athletic programs; ``(ii) student service resources, which is a measure of an institution's resources that could reasonably be allocated towards student service expenditures, including net tuition revenues, State and local appropriations, endowment income, and revenues related to student housing and food services less expenditures on student housing, food services, and the operations and maintenance of a plant; and ``(iii) recruitment and marketing expenditures;''. <all>\n\nSUMMARY TO EVALUATE:\nTitle: Student Protection and Success Act: New Accountability for Colleges\nSummary: This bill holds colleges accountable for their students' ability to repay loans by penalizing schools with low repayment rates. It also rewards institutions that successfully support low-income students and ensure they can manage their debt.\nKey Points: Colleges with repayment rates of 15% or lower will lose eligibility for federal student aid programs for three years., Institutions must make risk-sharing payments if their students fail to reduce their loan principal balance over three years., High-performing schools will receive bonus grants to further help students from low-income backgrounds with tuition and support., The program defines student service spending to focus on education and well-being rather than marketing or sports.\n\nZASADY OCENY:\n1. Sprawdź wszystkie LICZBY, DATY i KWOTY w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n2. Sprawdź wszystkie NAZWISKA, ORGANIZACJE i MIEJSCA w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n3. Sprawdź wszystkie konkretne DZIAŁANIA PRAWNE . Jeśli tego mechanizmu nie ma w SOURCE -> is_valid: false.\n\nWAŻNE: Abstrakcyjne pojęcia (np. \"transparentność\", \"zaufanie\") są dozwolone jako wnioski.\n\nOUTPUT (JSON):\n{\n  \"is_valid\": true/false,\n  \"issue\": \"fabricated_entity\" / \"contradiction\" / \"none\"\n}\n\nWYMAGANIA FORMATOWANIA:\n1. Odpowiedz WYŁĄCZNIE surowym obiektem JSON.\n2. NIE używaj bloków kodu Markdown.\n3. NIE dodawaj żadnych wstępów ani wyjaśnień przed ani po JSONie.\n4. JSON musi być poprawny i gotowy do parsowania.\n\n",
      "ai_response_raw": "{\n  \"is_valid\": true,\n  \"issue\": \"none\"\n}"
    },
    {
      "timestamp": "2026-04-02T11:16:45.299Z",
      "source_url": "https://www.congress.gov/119/bills/hr8009/BILLS-119hr8009ih.htm",
      "model": "gemini-flash-latest",
      "prompt_sent": "\nJesteś ekspertem od prawa Stanów Zjednoczonych, który ma za zadanie analizować dokumenty ustaw, uchwał oraz innych dokumentów legislacyjnych, a następnie przygotowywać z nich informacje w przystępny sposób dla obywateli. Twoim celem jest przedstawienie informacji tak, aby obywatele mogli sami ocenić wpływ legislacji na ich życie, nawet bez posiadania specjalistycznej wiedzy legislacyjnej. Skup się na faktach i obiektywnych skutkach wprowadzanych zmian, unikając wartościowania i osobistych opinii. Wszelki żargon prawny jest zabroniony. Prezentuj informacje w jasny, zwięzły i angażujący sposób, tak aby były zrozumiałe dla osoby bez wykształcenia prawniczego. Unikaj długich, złożonych zdań. Zamiast pisać \"projekt ma na celu nowelizację kodeksu podatkowego...\", napisz \"Zmiany w podatkach: nowe ulgi i obowiązki dla...\". Kontynuuj swoją pracę, dopóki nie rozwiążesz swojego zadania. Jeśli nie masz pewności co do generowanej treści, przeanalizuj dokument ponownie – nie zgaduj. Rozplanuj dobrze swoje zadanie przed przystąpieniem do niego. W podsumowaniu i kluczowych punktach, jeśli to możliwe i uzasadnione, podkreśl, jakie konkretne korzyści lub skutki (pozytywne lub negatywne) wprowadza ustawa dla życia codziennego obywateli, ich praw i obowiązków, finansów osobistych, bezpieczeństwa i innych ważnych kwestii (np. kategorycznych zakazów i nakazów czy najważniejszych konkretnych alokacji finansowych i terytorialnych).\n\nTwoja odpowiedź MUSI być w formacie JSON - i zawierać następujące klucze.\nZanim zwrócisz odpowiedź, dokładnie zweryfikuj, czy cała struktura JSON jest w 100% poprawna, włącznie ze wszystkimi przecinkami, nawiasami klamrowymi, kwadratowymi oraz cudzysłowami. Błędny JSON jest nieakceptowalny i uniemożliwi przetworzenie Twojej pracy.\n\nPrzeanalizuj dokładnie poniższy tekst dokumentu prawnego. To jest treść, na podstawie której masz wygenerować podsumowanie i kluczowe punkty:\n--- POCZĄTEK DOKUMENTU ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8009 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8009 To amend the Higher Education Act of 1965 to provide for institutional ineligibility based on low cohort repayment rates and to require risk- sharing payments of institutions of higher education. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 19, 2026 Mrs. Houchin (for herself and Ms. Perez) introduced the following bill; which was referred to the Committee on Education and Workforce _______________________________________________________________________ A BILL To amend the Higher Education Act of 1965 to provide for institutional ineligibility based on low cohort repayment rates and to require risk- sharing payments of institutions of higher education. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Student Protection and Success Act''. SEC. 2. INSTITUTIONAL INELIGIBILITY BASED ON LOW COHORT REPAYMENT RATE. (a) In General.--Section 455 of the Higher Education Act of 1965 (20 U.S.C. 1087e) is amended by adding at the end the following: ``(r) Ineligibility Due to Low Cohort Repayment Rate.-- ``(1) In general.--Beginning with fiscal year 2028 and each succeeding fiscal year, an institution that has a cohort repayment rate that is equal to or less than 15 percent shall not be eligible to participate in a program under this part for such fiscal year and for the 2 succeeding fiscal years. ``(2) Appeals.-- ``(A) In general.--An institution may appeal the loss of eligibility under this subsection to the Secretary within 30 days of receiving notification from the Secretary of the loss of eligibility under this subsection. ``(B) Continued participation.--During an appeal under subparagraph (A), the Secretary may permit the institution to continue to participate in a program under this part if the institution demonstrates to the satisfaction of the Secretary that the Secretary's calculation of its cohort repayment rate is not accurate, and that recalculation would increase its cohort repayment rate to be more than 15 percent. ``(C) Required payment.--If an institution continues to participate in a program under this part, and the institution's appeal of the loss of eligibility is unsuccessful, the institution shall be required to pay to the Secretary an amount equal to the amount of loans made by the Secretary under this part to borrowers attending, or planning to attend, that institution during the pendency of such appeal and the interest, special allowance, reinsurance, and any related payments made by the Secretary (or which the Secretary is obligated to make) with respect to such loans. ``(3) Cohort repayment rate.-- ``(A) In general.--In this subsection, the term `cohort repayment rate' means, for any fiscal year beginning with fiscal year 2028-- ``(i) in the case in which 30 or more borrowers at the institution enter repayment on Federal Direct Stafford Loans, Federal Direct Unsubsidized Stafford Loans, Federal Direct PLUS Loans, or Federal Direct Consolidation Loans, received for attendance at the institution, the percentage of those borrowers who are not in default and who make at least a one dollar reduction on their initial student loan principal balance before the end of the second fiscal year following the fiscal year in which the borrowers entered repayment, except as provided in subparagraph (B); and ``(ii) in the case in which less than 30 borrowers at the institution enter repayment on Federal Direct Stafford Loans, Federal Direct Unsubsidized Stafford Loans, Federal Direct PLUS Loans, or Federal Direct Consolidation Loans, received for attendance at the institution, the percentage of those borrowers plus all of the borrowers at the institution who entered repayment on such loans (or on the portion of a loan made under section 428C that is used to repay any such loans) in the 3 fiscal years preceding the fiscal year for which the determination is made, who are not in default and who make at least a one dollar reduction on their initial student loan principal balance before the end of the second fiscal year following the year in which the borrowers entered repayment, except as provided in subparagraph (B). ``(B) Exception.--The `cohort repayment rate' calculation under subparagraph (A) shall not include in the calculation a borrower who is-- ``(i) in deferment on repayment of a loan described in subparagraph (A) due to study in an approved graduate fellowship program or in an approved rehabilitation training program for the disabled; ``(ii) in deferment on repayment of a loan described in subparagraph (A) during a period of at least half-time enrollment in college or a career school; ``(iii) in deferment on repayment of a loan described in subparagraph (A) during a period of service qualifying for loan discharge or cancellation under part E; ``(iv) in deferment on repayment of a loan described in subparagraph (A) due to active duty military service of the borrower during a war, military operation, or national emergency; ``(v) in deferment on repayment of a loan described in subparagraph (A) during the 13 months following the conclusion of qualifying active duty military service by the borrower, or until the borrower returns to enrollment on at least a half-time basis, whichever is earlier, if the borrower is a member of the National Guard or other reserve component of the Armed Forces and was called or ordered to active duty while enrolled at least half-time at an eligible school or within 6 months of having been enrolled at least half-time; ``(vi) in mandatory forbearance on repayment of a loan described in subparagraph (A) for the full fiscal year; or ``(vii) serving as a volunteer under the Peace Corps Act (22 U.S.C. 2501 et seq.) or the Domestic Volunteer Service Act of 1973 (42 U.S.C. 4950 et seq.). ``(C) Publication of repayment rates.--The Secretary shall publish the cohort repayment rates for institutions determined under this subsection. ``(4) Notification.--Beginning with the first fiscal year for which data are available after the date of enactment of the Student Protection and Success Act and each succeeding fiscal year until fiscal year 2028, the Secretary shall notify each institution that has a cohort repayment rate that is equal to or less than 15 percent that the institution risks losing eligibility to participate in a program under this part.''. (b) Ineligibility in Other Programs.-- (1) Pell grants.--Section 401(j) of the Higher Education Act of 1965 (20 U.S.C. 1070a(j)) is amended-- (A) in the heading, by striking ``Based on Default Rates''; (B) in paragraph (1), by inserting ``until fiscal year 2028'' after ``succeeding fiscal year''; (C) in paragraph (2), by inserting ``or cohort repayment rate determination'' after ``default rate determination''; and (D) by adding at the end the following: ``(3) Ineligibility based on low cohort repayment rates.-- No institution of higher education shall be an eligible institution for purposes of this subpart if such institution of higher education is ineligible to participate in a program under part D due to a low cohort repayment rate, as determined under section 455(r).''. (2) Student loan insurance program.--Section 435(a) of the Higher Education Act of 1965 (20 U.S.C. 1085(a)) is amended-- (A) in paragraph (2)-- (i) in the heading, by striking ``based on high default rates''; (ii) in subparagraph (A), by striking ``An institution'' and inserting ``Until fiscal year 2028, an institution''; and (iii) by adding at the end the following: ``(E) No institution of higher education shall be an eligible institution for purposes of this part if such institution of higher education is ineligible to participate in a program under part D due to a low cohort repayment rate, as determined under section 455(r).''; and (B) in paragraph (6)(A), by inserting ``and until fiscal year 2028,'' after ``July 1, 1999,''. (3) Federal perkins loans.--Section 462 of the Higher Education Act of 1965 (20 U.S.C. 1087bb) is amended-- (A) in subsection (a)-- (i) in paragraph (1), by inserting ``or the institution is ineligible to participate in a program under part D due to a low cohort repayment rate, as determined under section 455(r)'' after ``subsection (f)''; and (ii) in paragraph (2)(D), by inserting ``or the institution is ineligible to participate in a program under part D due to a low cohort repayment rate, as determined under section 455(r)'' after ``subsection (f)''; (B) in subsection (b)-- (i) in paragraph (2), by inserting ``or the institution is ineligible to participate in a program under part D due to a low cohort repayment rate, as determined under section 455(r)'' after ``subsection (f)''; and (ii) in paragraph (3), by inserting ``or the institution is ineligible to participate in a program under part D due to a low cohort repayment rate, as determined under section 455(r)'' after ``subsection (f)''; (C) in subsection (e)-- (i) in paragraph (2), by inserting ``until fiscal year 2028,'' after ``succeeding fiscal year''; and (ii) in paragraph (3)-- (I) in subparagraph (A), by inserting ``until fiscal year 2028,'' after ``any succeeding fiscal year''; and (II) by adding at the end the following: ``(F) Low cohort repayment rates.--An institution that is ineligible to participate in a program under part D due to a low cohort repayment rate, as determined under section 455(r), shall not be eligible to participate in a program under this part.''; and (D) in subsection (f)(2), by inserting ``until fiscal year 2028,'' after ``subsequent years''. SEC. 3. COLLEGE OPPORTUNITY BONUS PROGRAM. Subpart 1 of part A of title IV of the Higher Education Act of 1965 (20 U.S.C. 1070a et seq.) is amended by adding at the end the following: ``SEC. 401B. COLLEGE OPPORTUNITY BONUS PROGRAM. ``(a) Program Authority.-- ``(1) In general.--Beginning with fiscal year 2028 and each succeeding fiscal year, the Secretary shall award grants to eligible institutions of higher education that are distributed under a formula determined by the Secretary under subsection (d). ``(2) Eligible institution.--In this section, the term `eligible institution of higher education' means an institution of higher education that has a cohort repayment rate (as defined in section 455(r)(3)) that is greater than 25 percent. ``(b) Grants.--The Secretary shall award grants to eligible institutions of higher education that the Secretary determines have a strong record of making college more affordable and increasing college access and success for low-income and moderate-income students. ``(c) Uses of Funds.--Each eligible institution of higher education that receives a grant under this section may use the grant funds to support reforms to further increase college access and success for low- and moderate-income students, by making key investments and adopting best practices, including by considering best practices reported under section 5 of the Student Protection and Success Act, and by-- ``(1) awarding additional need-based financial aid to students enrolled at the institution who are eligible to receive a Federal Pell Grant; ``(2) enhancing academic and student support services; and ``(3) establishing or expanding accelerated learning opportunities. ``(d) Amount of Grant Funds.-- ``(1) In general.--Each eligible institution of higher education that receives a grant under this section shall receive annual grant funds based on a formula determined by the Secretary that equally considers-- ``(A) the number and percentage of students enrolled at the institution who are eligible to receive a Federal Pell Grant; ``(B) the cohort repayment rate (as defined in section 455(r)(3)) of students enrolled at the institution who are eligible to receive a Federal Pell Grant; and ``(C) the institution's student service expenditures as a percentage of the institution's student service resources. ``(2) Cap.--Each eligible institution of higher education that receives a grant under this section shall receive grant funds for a fiscal year in an amount that is not more than 2.5 percent of the amount equal to the eligible institution's total annual revenues and investment returns less auxiliary enterprise revenues and hospital revenues, as defined in the IPEDS Finance Survey, for the most recent fiscal year upon which the eligible institution's audited financial reports are available. ``(e) Supplement Not Supplant.--Funds made available under this section shall be used to supplement, and not supplant-- ``(1) other State funds that States would otherwise expend to carry out activities under this section to improve college affordability and graduate additional low- and moderate-income students; and ``(2) institutional funds that eligible institutions of higher education receiving a grant under this section would otherwise expend to carry out activities under this section to improve college affordability and graduate additional low- and moderate-income students. ``(f) Funding.--The grant program under this section shall be funded only with risk-sharing payments received by the Secretary under section 454(d).''. SEC. 4. RISK-SHARING PAYMENTS. Section 454 of the Higher Education Act of 1965 (20 U.S.C. 1087d) is amended-- (1) in subsection (a)-- (A) in paragraph (6), by striking ``and'' after the semicolon; (B) in paragraph (7), by striking the period at the end and inserting ``; and''; and (C) by adding at the end the following: ``(8) provide that the institution accepts the institutional risk-sharing requirements under subsection (d), if applicable.''; and (2) by adding at the end the following: ``(e) Institutional Risk-Sharing Based on Cohort Nonrepayment Loan Balances.-- ``(1) In general.--Beginning with fiscal year 2028 and each succeeding fiscal year, each institution of higher education participating in the direct student loan program under this part shall remit to the Secretary, at such times as the Secretary may specify, a risk-sharing payment based on the cohort nonrepayment loan balance of the institution, as determined under paragraph (2). ``(2) Determination of risk-sharing payments.-- ``(A) Determination of cohort loan balance.--The cohort loan balance of an institution for a fiscal year equals the total principal amount of all loans made under this part to attend such institution for the cohort of borrowers who entered repayment, deferment, or forbearance on such loans in the third preceding fiscal year for which the determination is made. ``(B) Determination of cohort nonrepayment loan balance.-- ``(i) In general.--The cohort nonrepayment loan balance of an institution for a fiscal year equals, from the total amount of the loans described in subparagraph (A), the total loan balance of those borrowers who have not made at least a 1 dollar reduction in their principal balance in the 3 consecutive fiscal years since their loans entered repayment, deferment, or forbearance. ``(ii) Exception.--The cohort nonrepayment loan balance calculation under clause (i) shall not take into consideration a borrower who was-- ``(I) in deferment on repayment of a loan described in subparagraph (A) in the 3 consecutive fiscal years described in clause (i) due to study in an approved graduate fellowship program or in an approved rehabilitation training program for the disabled; ``(II) in deferment on repayment of a loan described in subparagraph (A) in the 3 consecutive fiscal years described in clause (i) during which time the borrower was in a period of at least half-time enrollment in college or a career school; ``(III) in deferment on repayment of a loan described in subparagraph (A) in the 3 consecutive fiscal years described in clause (i) during which time the borrower was in a period of service qualifying for loan discharge or cancellation under part E; ``(IV) in deferment on repayment of a loan described in subparagraph (A) in the 3 consecutive fiscal years described in clause (i) during which time the borrower was on active duty military service during a war, military operation, or national emergency; ``(V) in mandatory forbearance on repayment of a loan described in subparagraph (A) for the full fiscal year; or ``(VI) serving as a volunteer under the Peace Corps Act (22 U.S.C. 2501 et seq.) or the Domestic Volunteer Service Act of 1973 (42 U.S.C. 4950 et seq.), during the 3 consecutive fiscal years described in clause (i). ``(C) Determination of payment.-- ``(i) In general.-- ``(I) In general.--Except as provided in subclause (II), the risk- sharing payment of an institution for a fiscal year equals 2 percent of the amount determined under clause (ii). ``(II) Cap.--The risk-sharing payment of an institution for a fiscal year shall not be more than 2.5 percent of the amount equal to the institution's total annual revenues and investment returns less auxiliary enterprise revenues and hospital revenues, as defined in the IPEDS Finance Survey, for the most recent fiscal year upon which the institution's audited financial reports are available. ``(ii) Amount based on cohort nonrepayment loan balance and unemployment rate.-- ``(I) In general.--The amount under this clause is determined by subtracting the amount determined under subclause (II) from the cohort nonrepayment loan balance determined under subparagraph (B). ``(II) Amount based on unemployment rate.--The amount under this subclause is determined by multiplying the average national unemployment rate, as defined by the Bureau of Labor Statistics, for the 3 previous fiscal years from the date of the determination by the cohort loan balance determined under subparagraph (A). ``(3) Notification.--Beginning with the first fiscal year for which data are available after the date of enactment of the Student Protection and Success Act and each succeeding fiscal year until fiscal year 2028, the Secretary shall notify each institution of higher education participating in the direct student loan program under this part of what the risk-sharing payment based on the cohort nonrepayment loan balance of the institution, as determined under paragraph (2), would be for such institution if such provision were in effect.''. SEC. 5. REPORT. Not later than 6 months after the date of enactment of the Student Protection and Success Act, the Secretary of Education shall submit to Congress a report-- (1) on best practices for institutions of higher education to improve repayment rates; and (2) that makes recommendations on how institutions of higher education can improve repayment rates, with a particular emphasis on institutions that serve a high proportion of low- income students. SEC. 6. STUDENT SERVICE EXPENDITURES AND RESOURCES. Section 153(a)(1)(I) of the Education Sciences Reform Act of 2002 (20 U.S.C. 9543(a)(1)(I)) is amended to read as follows: ``(I) the financing and management of education, including data on revenues and expenditures, and information regarding-- ``(i) student service expenditures, that-- ``(I) includes instruction, information technology, and other activities whose primary purpose is to contribute to students' emotional and physical well-being and to their intellectual, cultural, and social development inside and outside the context of the formal instructional program; and ``(II) does not include expenditures on marketing, recruitment, or intercollegiate athletic programs; ``(ii) student service resources, which is a measure of an institution's resources that could reasonably be allocated towards student service expenditures, including net tuition revenues, State and local appropriations, endowment income, and revenues related to student housing and food services less expenditures on student housing, food services, and the operations and maintenance of a plant; and ``(iii) recruitment and marketing expenditures;''. <all>\n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n  \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n  \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n  \"pl_key_points\": [\n    \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n    \"Drugi krótki punkt po polsku...\"\n  ],\n  \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n  \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n  \"eng_key_points\": [\n    \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n    \"Second short bullet point in English...\"\n  ],\n  \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n  \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n  \"de_key_points\": [\n    \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n    \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n  ],\n  \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n  \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n  \"fr_key_points\": [\n    \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n    \"Deuxième court point en français...\"\n  ],\n  \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n  \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n  \"es_key_points\": [\n    \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n    \"Segundo punto breve en español...\"\n  ],\n  \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n  \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n  \"it_key_points\": [\n    \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n    \"Secondo breve punto in italiano...\"\n  ],\n  \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n  \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n  \"nl_key_points\": [\n    \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n    \"Tweede korte punt in het Nederlands...\"\n  ],\n  \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n  \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n  \"pt_key_points\": [\n    \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n    \"Segundo ponto curto em português...\"\n  ],\n  \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n",
      "ai_response_raw": "{\n  \"pl_ai_title\": \"Ustawa o ochronie studentów i sukcesie w spłacie kredytów studenckich\",\n  \"pl_summary\": \"Ustawa wprowadza kary dla uczelni, których absolwenci nie radzą sobie ze spłatą kredytów, oraz nagrody dla szkół wspierających osoby o niskich dochodach. Zmiany mają na celu zmuszenie uczelni do brania większej odpowiedzialności za przyszłość finansową swoich studentów.\",\n  \"pl_key_points\": [\n    \"Uczelnie stracą dostęp do funduszy federalnych, jeśli mniej niż 15% ich studentów zacznie spłacać kapitał kredytu w ciągu dwóch lat.\",\n    \"Szkoły wyższe będą musiały wpłacać kary finansowe (udział w ryzyku), jeśli ich absolwenci nie będą zmniejszać salda swoich pożyczek.\",\n    \"Najlepsze uczelnie otrzymają dodatkowe granty na wsparcie finansowe i naukowe dla studentów z uboższych rodzin.\",\n    \"Fundusze z kar płaconych przez słabsze uczelnie zostaną przekazane na nagrody dla szkół skutecznie pomagających studentom.\"\n  ],\n  \"eng_ai_title\": \"Student Protection and Success Act: New Accountability for Colleges\",\n  \"eng_summary\": \"This bill holds colleges accountable for their students' ability to repay loans by penalizing schools with low repayment rates. It also rewards institutions that successfully support low-income students and ensure they can manage their debt.\",\n  \"eng_key_points\": [\n    \"Colleges with repayment rates of 15% or lower will lose eligibility for federal student aid programs for three years.\",\n    \"Institutions must make risk-sharing payments if their students fail to reduce their loan principal balance over three years.\",\n    \"High-performing schools will receive bonus grants to further help students from low-income backgrounds with tuition and support.\",\n    \"The program defines student service spending to focus on education and well-being rather than marketing or sports.\"\n  ],\n  \"de_ai_title\": \"Gesetz zum Schutz von Studenten und zum Erfolg bei der Kreditrückzahlung\",\n  \"de_summary\": \"Dieses Gesetz führt Sanktionen für Hochschulen ein, deren Absolventen ihre Studienkredite nicht zurückzahlen können, und belohnt Schulen, die einkommensschwache Studenten fördern. Ziel ist es, die Qualität der Ausbildung und die finanzielle Sicherheit der Absolventen zu verbessern.\",\n  \"de_key_points\": [\n    \"Hochschulen verlieren den Zugang zu Bundesmitteln, wenn die Rückzahlungsquote ihrer Studenten bei 15 % oder weniger liegt.\",\n    \"Schulen müssen Ausgleichszahlungen leisten, wenn ihre Absolventen ihre Kreditschulden über drei Jahre hinweg nicht verringern.\",\n    \"Erfolgreiche Hochschulen erhalten Bonusgelder zur Unterstützung bedürftiger Studenten durch Stipendien und akademische Hilfe.\",\n    \"Marketing- und Sportausgaben werden bei der Berechnung der studentischen Dienstleistungen ausdrücklich ausgeschlossen.\"\n  ],\n  \"fr_ai_title\": \"Loi sur la protection des étudiants et la réussite du remboursement\",\n  \"fr_summary\": \"Cette loi impose des sanctions aux universités dont les étudiants ne parviennent pas à rembourser leurs prêts et récompense celles qui soutiennent les étudiants à faibles revenus. Elle vise à garantir que les diplômes mènent à une stabilité financière réelle.\",\n  \"fr_key_points\": [\n    \"Les établissements dont le taux de remboursement est inférieur ou égal à 15 % seront exclus des programmes d'aide fédérale.\",\n    \"Les universités devront payer des frais de partage des risques pour les prêts dont le capital n'est pas remboursé par les étudiants.\",\n    \"Des subventions bonus seront accordées aux écoles qui favorisent l'accès et la réussite des étudiants modestes.\",\n    \"Les fonds collectés via les pénalités serviront à financer des bourses basées sur les besoins des étudiants.\"\n  ],\n  \"es_ai_title\": \"Ley de Protección Estudiantil y Éxito en el Reembolso de Préstamos\",\n  \"es_summary\": \"Esta ley penaliza a las universidades cuyos graduados no pueden pagar sus préstamos estudiantiles y premia a las instituciones que ayudan a estudiantes de bajos recursos. Busca que las universidades se responsabilicen del éxito financiero de sus alumnos.\",\n  \"es_key_points\": [\n    \"Las universidades con tasas de reembolso del 15% o menos perderán el acceso a fondos federales para estudiantes por tres años.\",\n    \"Las instituciones deberán realizar pagos por 'riesgo compartido' si sus alumnos no reducen el saldo principal de sus deudas.\",\n    \"Se otorgarán subvenciones adicionales a las escuelas que demuestren éxito con estudiantes de ingresos bajos y moderados.\",\n    \"El dinero de las penalizaciones se usará para financiar programas que mejoren la asequibilidad de la universidad.\"\n  ],\n  \"it_ai_title\": \"Legge sulla protezione degli studenti e il successo nel rimborso dei prestiti\",\n  \"it_summary\": \"Questa legge introduce sanzioni per le università i cui studenti non riescono a rimborsare i prestiti e premia gli istituti che supportano gli studenti a basso reddito. L'obiettivo è rendere le università responsabili dei risultati economici dei loro laureati.\",\n  \"it_key_points\": [\n    \"Le università con un tasso di rimborso pari o inferiore al 15% perderanno l'idoneità ai programmi di aiuto federale.\",\n    \"Gli istituti dovranno versare pagamenti di 'condivisione del rischio' per i debiti il cui capitale non viene ridotto dagli studenti.\",\n    \"Le scuole più meritevoli riceveranno fondi extra per migliorare l'accesso e il supporto agli studenti meno abbienti.\",\n    \"Le spese per marketing e sport non saranno conteggiate come investimenti diretti nel benessere degli studenti.\"\n  ],\n  \"nl_ai_title\": \"Wet op studentenbescherming en succesvolle terugbetaling van studieleningen\",\n  \"nl_summary\": \"Deze wet straft hogescholen en universiteiten waarvan de studenten hun leningen niet kunnen terugbetalen en beloont instellingen die studenten met lage inkomens goed ondersteunen. Het doel is om onderwijsinstellingen verantwoordelijk te houden voor de financiële toekomst van hun studenten.\",\n  \"nl_key_points\": [\n    \"Instellingen met een terugbetalingspercentage van 15% of lager verliezen voor drie jaar hun recht op federale financiering.\",\n    \"Scholen moeten meebetalen aan de risico's als hun studenten hun schulden niet daadwerkelijk verminderen.\",\n    \"Succesvolle scholen krijgen bonussubsidies om de toegankelijkheid en begeleiding voor minderbedeelde studenten te vergroten.\",\n    \"De wet legt de nadruk op uitgaven voor onderwijs en welzijn in plaats van marketing en werving.\"\n  ],\n  \"pt_ai_title\": \"Lei de Proteção ao Estudante e Sucesso no Reembolso de Empréstimos\",\n  \"pt_summary\": \"Esta lei penaliza instituições de ensino superior cujos alunos não conseguem pagar os seus empréstimos e recompensa aquelas que apoiam estudantes de baixos rendimentos. O objetivo é garantir que as universidades se responsabilizem pela viabilidade financeira dos seus cursos.\",\n  \"pt_key_points\": [\n    \"Universidades com taxas de reembolso de 15% ou menos perderão o acesso a programas de ajuda federal por três anos.\",\n    \"As instituições deverão efetuar pagamentos de partilha de risco caso os seus alunos não reduzam o saldo principal das suas dívidas.\",\n    \"Escolas com bons resultados receberão subsídios de bónus para apoiar estudantes de famílias carenciadas com ajuda financeira.\",\n    \"As penalizações pagas pelas instituições de baixo desempenho financiarão incentivos para as escolas de sucesso.\"\n  ],\n  \"category\": [\"Education\"]\n}"
    }
  ]
}