{
  "legislationId": "119_S_4269",
  "lastUpdate": "2026-04-17T11:37:30.240Z",
  "history": [
    {
      "timestamp": "2026-04-17T11:37:30.240Z",
      "source_url": "https://www.congress.gov/119/bills/s4269/BILLS-119s4269is.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] [S. 4269 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4269 To repeal certain student loan provisions, and for other purposes. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 26, 2026 Mr. Blumenthal (for himself, Mr. Lujan, Mr. Booker, Mr. Merkley, Ms. Alsobrooks, and Mr. Kaine) introduced the following bill; which was read twice and referred to the Committee on Finance _______________________________________________________________________ A BILL To repeal certain student loan provisions, and for other purposes. 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 ``Restoring College Access and Affordability Act''. SEC. 2. LOAN LIMITS. Section 81001 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. SEC. 3. LOAN REPAYMENT. (a) Loan Repayment.--Section 82001 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. (b) Deferment; Forbearance.--Section 82002 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. (c) Public Service Loan Forgiveness.--Section 82004 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. SEC. 4. PELL GRANTS. (a) Eligibility.--Section 83001 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. (b) Federal Pell Grant Exclusion Relating to Other Grant Aid.-- Section 83004 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. SEC. 5. INELIGIBILITY BASED ON LOW EARNING OUTCOMES. Section 454(c) of the Higher Education Act of 1965 (20 U.S.C. 1087d(c)) is amended-- (1) in paragraph (1)-- (A) by striking ``Notwithstanding section 481(b),'' and inserting the following: ``(A) In general.--Notwithstanding section 481(b),''; (B) by striking ``an educational program'' and inserting ``a covered educational program''; and (C) by adding at the end the following: ``(B) Covered educational program.--In this subsection, the term `covered educational program' means an eligible program under this title that is-- ``(i) a program of training to prepare students for gainful employment in a recognized occupation (such as a program that awards a certificate or credential), or a program that awards an associate's degree; ``(ii) a program that awards an associate's degree or a baccalaureate degree; or ``(iii) a program that awards a graduate or professional degree, or graduate certificate.''; (2) in paragraph (2), by striking ``An educational program at an institution is described in this paragraph if the program awards an undergraduate degree, graduate or professional degree, or graduate certificate, for which'' and inserting ``A covered educational program at an institution is described in this paragraph if the program is a program for which''; (3) in paragraph (3)-- (A) in subparagraph (A)-- (i) in the matter preceding clause (i), by striking ``an educational program'' and inserting ``a covered educational program''; (ii) in clause (iii)(I), by striking ``an educational program that awards a baccalaureate or lesser degree,'' and inserting ``a covered educational program described in clause (i) or (ii) of paragraph (1)(B),''; and (iii) in clause (iii)(II), by striking ``a graduate or professional program,'' and inserting ``a covered educational program described in clause (iii) of paragraph (1)(B),''; and (B) in subparagraph (B)-- (i) in the matter preceding clause (i), by striking ``an educational program'' and inserting ``a covered educational program''; (ii) in clause (i), in the matter preceding subclause (I), by striking ``that awards a baccalaureate or lesser degree'' and inserting ``that is a covered educational program described in clause (i) or (ii) of paragraph (1)(B),''; and (iii) in clause (ii), in the matter preceding subclause (I), by striking ``that is a graduate or professional program'' and inserting ``that is a covered educational program described in clause (iii) of paragraph (1)(B),''; (4) in paragraph (4)-- (A) by striking ``an educational program'' and inserting ``a covered educational program''; and (B) by inserting ``covered'' before ``educational programs''; (5) in paragraph (5)-- (A) by striking ``An educational program'' and inserting ``A covered educational program''; and (B) by striking ``the educational program'' and inserting ``the covered educational program''; (6) in paragraph (6)(A)-- (A) by striking ``an educational program'' and inserting ``a covered educational program''; and (B) by striking ``the educational program'' and inserting ``the covered educational program'', each place the term appears; and (7) in paragraph (7), by striking ``an educational program'' and inserting ``a covered educational program''. SEC. 6. REGULATORY RELIEF. (a) Delay of Rule Relating to Borrower Defense to Repayment.-- Section 85001 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. (b) Delay of Rule Relating to Closed School Discharges.--Section 85002 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. SEC. 7. MODIFICATION OF EXCISE TAX ON ENDOWMENT INCOME OF PRIVATE COLLEGES AND UNIVERSITIES. (a) In General.--Subsection (a) of section 4968 of the Internal Revenue Code of 1986 is amended by striking ``the applicable percentage'' and inserting ``1.4 percent''. (b) Conforming Amendments.-- (1) Section 4968 of the Internal Revenue Code of 1986 is amended by striking subsection (b) and by redesignating subsections (c), (d), (e), (f), (g), and (h) as subsections (b), (c), (d), (e), (f), and (g), respectively. (2) Subsection (e) of section 4968 of such Code is amended by striking ``(c) and (d)'' and inserting ``(b) and (c)''. (3) Paragraph (1) of section 4968(g) of such Code is amended by striking ``(d) and (f)'' and inserting ``(c) and (e)''. (4) Subsection (o) of section 6033 of such Code is amended-- (A) by striking ``4968(c)'' both places it appears and inserting ``4968(b)'', and (B) by striking ``4968(e)'' in paragraph (2) thereof and inserting ``4968(d)''. (c) Effective Date.--The amendments made by this section shall apply to taxable years beginning after December 31, 2025. <all>\n\nSUMMARY TO EVALUATE:\nTitle: Restoring College Access and Affordability Act\nSummary: This bill restores previous rules for student loans, debt forgiveness, and Pell Grants by repealing recent legislative changes. It also links federal funding to graduates' earnings and sets a fixed tax rate on private university endowment income.\nKey Points: Restores previous student loan limits and repayment terms for borrowers., Reinstates prior rules for the Public Service Loan Forgiveness (PSLF) program., Reverts Pell Grant eligibility and financial aid calculations to their former status., Educational programs may lose federal funding if their graduates fail to meet minimum earning standards., Sets a 1.4% excise tax on the investment income of private college and university endowments., Delays or repeals recent rules regarding debt discharges for closed schools or borrower defense claims.\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": "2026-04-17T11:34:44.046Z",
      "source_url": "https://www.congress.gov/119/bills/s4269/BILLS-119s4269is.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] [S. 4269 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4269 To repeal certain student loan provisions, and for other purposes. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 26, 2026 Mr. Blumenthal (for himself, Mr. Lujan, Mr. Booker, Mr. Merkley, Ms. Alsobrooks, and Mr. Kaine) introduced the following bill; which was read twice and referred to the Committee on Finance _______________________________________________________________________ A BILL To repeal certain student loan provisions, and for other purposes. 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 ``Restoring College Access and Affordability Act''. SEC. 2. LOAN LIMITS. Section 81001 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. SEC. 3. LOAN REPAYMENT. (a) Loan Repayment.--Section 82001 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. (b) Deferment; Forbearance.--Section 82002 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. (c) Public Service Loan Forgiveness.--Section 82004 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. SEC. 4. PELL GRANTS. (a) Eligibility.--Section 83001 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. (b) Federal Pell Grant Exclusion Relating to Other Grant Aid.-- Section 83004 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. SEC. 5. INELIGIBILITY BASED ON LOW EARNING OUTCOMES. Section 454(c) of the Higher Education Act of 1965 (20 U.S.C. 1087d(c)) is amended-- (1) in paragraph (1)-- (A) by striking ``Notwithstanding section 481(b),'' and inserting the following: ``(A) In general.--Notwithstanding section 481(b),''; (B) by striking ``an educational program'' and inserting ``a covered educational program''; and (C) by adding at the end the following: ``(B) Covered educational program.--In this subsection, the term `covered educational program' means an eligible program under this title that is-- ``(i) a program of training to prepare students for gainful employment in a recognized occupation (such as a program that awards a certificate or credential), or a program that awards an associate's degree; ``(ii) a program that awards an associate's degree or a baccalaureate degree; or ``(iii) a program that awards a graduate or professional degree, or graduate certificate.''; (2) in paragraph (2), by striking ``An educational program at an institution is described in this paragraph if the program awards an undergraduate degree, graduate or professional degree, or graduate certificate, for which'' and inserting ``A covered educational program at an institution is described in this paragraph if the program is a program for which''; (3) in paragraph (3)-- (A) in subparagraph (A)-- (i) in the matter preceding clause (i), by striking ``an educational program'' and inserting ``a covered educational program''; (ii) in clause (iii)(I), by striking ``an educational program that awards a baccalaureate or lesser degree,'' and inserting ``a covered educational program described in clause (i) or (ii) of paragraph (1)(B),''; and (iii) in clause (iii)(II), by striking ``a graduate or professional program,'' and inserting ``a covered educational program described in clause (iii) of paragraph (1)(B),''; and (B) in subparagraph (B)-- (i) in the matter preceding clause (i), by striking ``an educational program'' and inserting ``a covered educational program''; (ii) in clause (i), in the matter preceding subclause (I), by striking ``that awards a baccalaureate or lesser degree'' and inserting ``that is a covered educational program described in clause (i) or (ii) of paragraph (1)(B),''; and (iii) in clause (ii), in the matter preceding subclause (I), by striking ``that is a graduate or professional program'' and inserting ``that is a covered educational program described in clause (iii) of paragraph (1)(B),''; (4) in paragraph (4)-- (A) by striking ``an educational program'' and inserting ``a covered educational program''; and (B) by inserting ``covered'' before ``educational programs''; (5) in paragraph (5)-- (A) by striking ``An educational program'' and inserting ``A covered educational program''; and (B) by striking ``the educational program'' and inserting ``the covered educational program''; (6) in paragraph (6)(A)-- (A) by striking ``an educational program'' and inserting ``a covered educational program''; and (B) by striking ``the educational program'' and inserting ``the covered educational program'', each place the term appears; and (7) in paragraph (7), by striking ``an educational program'' and inserting ``a covered educational program''. SEC. 6. REGULATORY RELIEF. (a) Delay of Rule Relating to Borrower Defense to Repayment.-- Section 85001 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. (b) Delay of Rule Relating to Closed School Discharges.--Section 85002 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. SEC. 7. MODIFICATION OF EXCISE TAX ON ENDOWMENT INCOME OF PRIVATE COLLEGES AND UNIVERSITIES. (a) In General.--Subsection (a) of section 4968 of the Internal Revenue Code of 1986 is amended by striking ``the applicable percentage'' and inserting ``1.4 percent''. (b) Conforming Amendments.-- (1) Section 4968 of the Internal Revenue Code of 1986 is amended by striking subsection (b) and by redesignating subsections (c), (d), (e), (f), (g), and (h) as subsections (b), (c), (d), (e), (f), and (g), respectively. (2) Subsection (e) of section 4968 of such Code is amended by striking ``(c) and (d)'' and inserting ``(b) and (c)''. (3) Paragraph (1) of section 4968(g) of such Code is amended by striking ``(d) and (f)'' and inserting ``(c) and (e)''. (4) Subsection (o) of section 6033 of such Code is amended-- (A) by striking ``4968(c)'' both places it appears and inserting ``4968(b)'', and (B) by striking ``4968(e)'' in paragraph (2) thereof and inserting ``4968(d)''. (c) Effective Date.--The amendments made by this section shall apply to taxable years beginning after December 31, 2025. <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 przywróceniu dostępności i przystępności studiów wyższych\",\n  \"pl_summary\": \"Projekt przywraca wcześniejsze zasady dotyczące pożyczek studenckich, umorzeń długów i grantów Pell, uchylając niedawne zmiany legislacyjne. Wprowadza również mechanizmy oceny uczelni na podstawie zarobków absolwentów oraz ustala stały podatek od dochodów z majątku prywatnych szkół wyższych.\",\n  \"pl_key_points\": [\n    \"Przywrócenie poprzednich, często korzystniejszych limitów pożyczek studenckich i zasad ich spłaty.\",\n    \"Powrót do dawnych zasad umarzania długów dla pracowników sektora publicznego (program PSLF).\",\n    \"Przywrócenie wcześniejszych kryteriów przyznawania grantów Pell, czyli bezzwrotnej pomocy dla najuboższych studentów.\",\n    \"Uczelnie mogą stracić dostęp do finansowania federalnego, jeśli ich absolwenci zarabiają zbyt mało po ukończeniu studiów.\",\n    \"Ustalenie stałego podatku w wysokości 1,4% od dochodów z funduszy wieczystych (majątku) dużych prywatnych uczelni.\",\n    \"Wstrzymanie lub uchylenie nowych przepisów ułatwiających anulowanie długów w przypadku zamknięcia szkoły lub oszustw uczelni.\"\n  ],\n  \"eng_ai_title\": \"Restoring College Access and Affordability Act\",\n  \"eng_summary\": \"This bill restores previous rules for student loans, debt forgiveness, and Pell Grants by repealing recent legislative changes. It also links federal funding to graduates' earnings and sets a fixed tax rate on private university endowment income.\",\n  \"eng_key_points\": [\n    \"Restores previous student loan limits and repayment terms for borrowers.\",\n    \"Reinstates prior rules for the Public Service Loan Forgiveness (PSLF) program.\",\n    \"Reverts Pell Grant eligibility and financial aid calculations to their former status.\",\n    \"Educational programs may lose federal funding if their graduates fail to meet minimum earning standards.\",\n    \"Sets a 1.4% excise tax on the investment income of private college and university endowments.\",\n    \"Delays or repeals recent rules regarding debt discharges for closed schools or borrower defense claims.\"\n  ],\n  \"de_ai_title\": \"Gesetz zur Wiederherstellung des Hochschulzugangs und der Erschwinglichkeit\",\n  \"de_summary\": \"Dieser Gesetzentwurf stellt frühere Regeln für Studienkredite, Schuldenerlass und Pell-Zuschüsse wieder her, indem er jüngste Gesetzesänderungen aufhebt. Er führt zudem Kriterien für Studiengänge basierend auf dem Einkommen der Absolventen ein und regelt die Besteuerung privater Hochschulvermögen neu.\",\n  \"de_key_points\": [\n    \"Wiederherstellung früherer Kreditlimits und Rückzahlungsbedingungen für Studenten.\",\n    \"Rückkehr zu den alten Regeln für den Schuldenerlass im öffentlichen Dienst (PSLF).\",\n    \"Wiederherstellung der ursprünglichen Förderkriterien für Pell-Zuschüsse (finanzielle Unterstützung).\",\n    \"Studienprogramme können die Förderfähigkeit verlieren, wenn Absolventen nach dem Abschluss zu wenig verdienen.\",\n    \"Festlegung einer Steuer von 1,4 % auf Kapitalerträge aus den Stiftungsvermögen privater Hochschulen.\",\n    \"Aufschub oder Aufhebung neuer Regeln zum Schuldenerlass bei Schulschließungen oder Täuschung durch die Hochschule.\"\n  ],\n  \"fr_ai_title\": \"Loi sur le rétablissement de l'accès et de l'abordabilité de l'université\",\n  \"fr_summary\": \"Ce projet de loi rétablit les anciennes règles concernant les prêts étudiants, l'annulation de dette et les bourses Pell en annulant des changements récents. Il lie également le financement des programmes universitaires aux revenus futurs des diplômés et ajuste les taxes sur les fonds de dotation des universités privées.\",\n  \"fr_key_points\": [\n    \"Rétablissement des anciens plafonds de prêts et des modalités de remboursement pour les emprunteurs.\",\n    \"Retour aux règles précédentes pour l'annulation de prêt dans le service public (PSLF).\",\n    \"Restauration des critères d'éligibilité initiaux pour les bourses Pell (aides non remboursables).\",\n    \"Les programmes d'études pourraient perdre leur financement fédéral si les diplômés ont des revenus trop faibles.\",\n    \"Fixation d'une taxe de 1,4 % sur les revenus des fonds de dotation des universités privées.\",\n    \"Suspension des nouvelles règles facilitant l'effacement de dette en cas de fermeture d'école ou de fraude.\"\n  ],\n  \"es_ai_title\": \"Ley de Restauración del Acceso y la Asequibilidad a la Universidad\",\n  \"es_summary\": \"Este proyecto de ley restablece las reglas anteriores para préstamos estudiantiles, condonación de deudas y becas Pell, derogando cambios legislativos recientes. También establece estándares para programas universitarios basados en los ingresos de los graduados y modifica los impuestos a las universidades privadas.\",\n  \"es_key_points\": [\n    \"Restablecimiento de los límites de préstamos y opciones de pago anteriores para los estudiantes.\",\n    \"Regreso a las normas previas para la condonación de préstamos por servicio público (PSLF).\",\n    \"Restauración de los criterios de elegibilidad originales para las becas Pell.\",\n    \"Los programas educativos podrían perder financiación federal si sus graduados ganan poco dinero.\",\n    \"Establecimiento de un impuesto del 1,4 % sobre los ingresos de fondos patrimoniales de universidades privadas.\",\n    \"Retraso o derogación de normas recientes sobre la cancelación de deudas por cierre de escuelas o fraude institucional.\"\n  ],\n  \"it_ai_title\": \"Legge per il ripristino dell'accesso e dell'accessibilità economica all'università\",\n  \"it_summary\": \"Questo disegno di legge ripristina le precedenti norme sui prestiti studenteschi, l'estinzione del debito e le borse di studio Pell, abrogando le recenti modifiche. Introduce inoltre criteri di valutazione per i corsi di studio basati sul reddito dei laureati e modifica la tassazione dei fondi delle università private.\",\n  \"it_key_points\": [\n    \"Ripristino dei precedenti limiti di prestito e delle modalità di rimborso per i mutuatari.\",\n    \"Ritorno alle vecchie regole per la cancellazione del debito nel settore pubblico (PSLF).\",\n    \"Ripristino dei criteri di ammissibilità originali per i sussidi Pell (aiuti non rimborsabili).\",\n    \"I programmi di studio possono perdere i finanziamenti federali se i laureati hanno guadagni troppo bassi.\",\n    \"Fissazione di un'imposta dell'1,4% sui redditi derivanti dai patrimoni delle università private.\",\n    \"Sospensione delle nuove norme che facilitano l'annullamento del debito in caso di chiusura della scuola o frode.\"\n  ],\n  \"nl_ai_title\": \"Wet op het herstel van de toegang tot en de betaalbaarheid van het hoger onderwijs\",\n  \"nl_summary\": \"Dit wetsvoorstel herstelt de eerdere regels voor studieleningen, kwijtschelding van schulden en Pell-beurzen door recente wijzigingen in te trekken. Het stelt ook normen vast voor opleidingen op basis van het inkomen van afgestudeerden en wijzigt de belastingen voor private universiteiten.\",\n  \"nl_key_points\": [\n    \"Herstel van eerdere leenlimieten en terugbetalingsvoorwaarden voor studenten.\",\n    \"Terugkeer naar oude regels voor kwijtschelding van leningen in de publieke sector (PSLF).\",\n    \"Herstel van de oorspronkelijke subsidiabiliteitscriteria voor Pell-beurzen.\",\n    \"Opleidingen kunnen federale financiering verliezen als afgestudeerden na hun studie te weinig verdienen.\",\n    \"Vaststelling van een belasting van 1,4% op de inkomsten uit vermogensfondsen van private universiteiten.\",\n    \"Uitstel of intrekking van regels voor schuldkwijtschelding bij schoolsluitingen of misleiding door instellingen.\"\n  ],\n  \"pt_ai_title\": \"Lei de Restauração do Acesso e da Acessibilidade ao Ensino Superior\",\n  \"pt_summary\": \"Este projeto de lei restaura as regras anteriores para empréstimos estudantis, perdão de dívidas e bolsas Pell, revogando alterações legislativas recentes. Também estabelece critérios para programas universitários com base nos rendimentos dos graduados e modifica os impostos sobre fundos de universidades privadas.\",\n  \"pt_key_points\": [\n    \"Restabelecimento dos limites de empréstimo e opções de reembolso anteriores para os estudantes.\",\n    \"Retorno às regras prévias para o perdão de empréstimos no serviço público (PSLF).\",\n    \"Restauração dos critérios de elegibilidade originais para as bolsas Pell (ajuda financeira).\",\n    \"Os programas de ensino podem perder financiamento federal se os graduados tiverem rendimentos baixos após a formação.\",\n    \"Fixação de um imposto de 1,4% sobre os rendimentos de fundos patrimoniais de universidades privadas.\",\n    \"Suspensão de novas regras que facilitam o cancelamento de dívidas em caso de fecho de escolas ou fraude.\"\n  ],\n  \"category\": [\"Education\", \"Taxes\"]\n}"
    },
    {
      "timestamp": "2026-04-17T11:30:41.824Z",
      "source_url": "https://www.congress.gov/119/bills/s4269/BILLS-119s4269is.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] [S. 4269 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4269 To repeal certain student loan provisions, and for other purposes. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 26, 2026 Mr. Blumenthal (for himself, Mr. Lujan, Mr. Booker, Mr. Merkley, Ms. Alsobrooks, and Mr. Kaine) introduced the following bill; which was read twice and referred to the Committee on Finance _______________________________________________________________________ A BILL To repeal certain student loan provisions, and for other purposes. 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 ``Restoring College Access and Affordability Act''. SEC. 2. LOAN LIMITS. Section 81001 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. SEC. 3. LOAN REPAYMENT. (a) Loan Repayment.--Section 82001 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. (b) Deferment; Forbearance.--Section 82002 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. (c) Public Service Loan Forgiveness.--Section 82004 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. SEC. 4. PELL GRANTS. (a) Eligibility.--Section 83001 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. (b) Federal Pell Grant Exclusion Relating to Other Grant Aid.-- Section 83004 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. SEC. 5. INELIGIBILITY BASED ON LOW EARNING OUTCOMES. Section 454(c) of the Higher Education Act of 1965 (20 U.S.C. 1087d(c)) is amended-- (1) in paragraph (1)-- (A) by striking ``Notwithstanding section 481(b),'' and inserting the following: ``(A) In general.--Notwithstanding section 481(b),''; (B) by striking ``an educational program'' and inserting ``a covered educational program''; and (C) by adding at the end the following: ``(B) Covered educational program.--In this subsection, the term `covered educational program' means an eligible program under this title that is-- ``(i) a program of training to prepare students for gainful employment in a recognized occupation (such as a program that awards a certificate or credential), or a program that awards an associate's degree; ``(ii) a program that awards an associate's degree or a baccalaureate degree; or ``(iii) a program that awards a graduate or professional degree, or graduate certificate.''; (2) in paragraph (2), by striking ``An educational program at an institution is described in this paragraph if the program awards an undergraduate degree, graduate or professional degree, or graduate certificate, for which'' and inserting ``A covered educational program at an institution is described in this paragraph if the program is a program for which''; (3) in paragraph (3)-- (A) in subparagraph (A)-- (i) in the matter preceding clause (i), by striking ``an educational program'' and inserting ``a covered educational program''; (ii) in clause (iii)(I), by striking ``an educational program that awards a baccalaureate or lesser degree,'' and inserting ``a covered educational program described in clause (i) or (ii) of paragraph (1)(B),''; and (iii) in clause (iii)(II), by striking ``a graduate or professional program,'' and inserting ``a covered educational program described in clause (iii) of paragraph (1)(B),''; and (B) in subparagraph (B)-- (i) in the matter preceding clause (i), by striking ``an educational program'' and inserting ``a covered educational program''; (ii) in clause (i), in the matter preceding subclause (I), by striking ``that awards a baccalaureate or lesser degree'' and inserting ``that is a covered educational program described in clause (i) or (ii) of paragraph (1)(B),''; and (iii) in clause (ii), in the matter preceding subclause (I), by striking ``that is a graduate or professional program'' and inserting ``that is a covered educational program described in clause (iii) of paragraph (1)(B),''; (4) in paragraph (4)-- (A) by striking ``an educational program'' and inserting ``a covered educational program''; and (B) by inserting ``covered'' before ``educational programs''; (5) in paragraph (5)-- (A) by striking ``An educational program'' and inserting ``A covered educational program''; and (B) by striking ``the educational program'' and inserting ``the covered educational program''; (6) in paragraph (6)(A)-- (A) by striking ``an educational program'' and inserting ``a covered educational program''; and (B) by striking ``the educational program'' and inserting ``the covered educational program'', each place the term appears; and (7) in paragraph (7), by striking ``an educational program'' and inserting ``a covered educational program''. SEC. 6. REGULATORY RELIEF. (a) Delay of Rule Relating to Borrower Defense to Repayment.-- Section 85001 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. (b) Delay of Rule Relating to Closed School Discharges.--Section 85002 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. SEC. 7. MODIFICATION OF EXCISE TAX ON ENDOWMENT INCOME OF PRIVATE COLLEGES AND UNIVERSITIES. (a) In General.--Subsection (a) of section 4968 of the Internal Revenue Code of 1986 is amended by striking ``the applicable percentage'' and inserting ``1.4 percent''. (b) Conforming Amendments.-- (1) Section 4968 of the Internal Revenue Code of 1986 is amended by striking subsection (b) and by redesignating subsections (c), (d), (e), (f), (g), and (h) as subsections (b), (c), (d), (e), (f), and (g), respectively. (2) Subsection (e) of section 4968 of such Code is amended by striking ``(c) and (d)'' and inserting ``(b) and (c)''. (3) Paragraph (1) of section 4968(g) of such Code is amended by striking ``(d) and (f)'' and inserting ``(c) and (e)''. (4) Subsection (o) of section 6033 of such Code is amended-- (A) by striking ``4968(c)'' both places it appears and inserting ``4968(b)'', and (B) by striking ``4968(e)'' in paragraph (2) thereof and inserting ``4968(d)''. (c) Effective Date.--The amendments made by this section shall apply to taxable years beginning after December 31, 2025. <all>\n\nSUMMARY TO EVALUATE:\nTitle: Restoring College Access and Affordability Act\nSummary: This bill reverses recent restrictions on student loans and Pell Grants, restoring previous repayment and forgiveness rules. It also adjusts taxes for private universities and updates how educational programs are evaluated based on graduates' earnings.\nKey Points: Repeals recent changes to student loan limits and repayment plans., Restores previous rules for Public Service Loan Forgiveness (PSLF)., Expands eligibility for Pell Grants to help more students afford college., Implements new standards to ensure degree programs lead to gainful employment., Sets a 1.4% tax rate on the endowment income of private colleges.\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\": false,\n  \"issue\": \"fabricated_entity\"\n}"
    },
    {
      "timestamp": "2026-04-17T11:20:06.639Z",
      "source_url": "https://www.congress.gov/119/bills/s4269/BILLS-119s4269is.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] [S. 4269 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4269 To repeal certain student loan provisions, and for other purposes. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 26, 2026 Mr. Blumenthal (for himself, Mr. Lujan, Mr. Booker, Mr. Merkley, Ms. Alsobrooks, and Mr. Kaine) introduced the following bill; which was read twice and referred to the Committee on Finance _______________________________________________________________________ A BILL To repeal certain student loan provisions, and for other purposes. 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 ``Restoring College Access and Affordability Act''. SEC. 2. LOAN LIMITS. Section 81001 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. SEC. 3. LOAN REPAYMENT. (a) Loan Repayment.--Section 82001 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. (b) Deferment; Forbearance.--Section 82002 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. (c) Public Service Loan Forgiveness.--Section 82004 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. SEC. 4. PELL GRANTS. (a) Eligibility.--Section 83001 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. (b) Federal Pell Grant Exclusion Relating to Other Grant Aid.-- Section 83004 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. SEC. 5. INELIGIBILITY BASED ON LOW EARNING OUTCOMES. Section 454(c) of the Higher Education Act of 1965 (20 U.S.C. 1087d(c)) is amended-- (1) in paragraph (1)-- (A) by striking ``Notwithstanding section 481(b),'' and inserting the following: ``(A) In general.--Notwithstanding section 481(b),''; (B) by striking ``an educational program'' and inserting ``a covered educational program''; and (C) by adding at the end the following: ``(B) Covered educational program.--In this subsection, the term `covered educational program' means an eligible program under this title that is-- ``(i) a program of training to prepare students for gainful employment in a recognized occupation (such as a program that awards a certificate or credential), or a program that awards an associate's degree; ``(ii) a program that awards an associate's degree or a baccalaureate degree; or ``(iii) a program that awards a graduate or professional degree, or graduate certificate.''; (2) in paragraph (2), by striking ``An educational program at an institution is described in this paragraph if the program awards an undergraduate degree, graduate or professional degree, or graduate certificate, for which'' and inserting ``A covered educational program at an institution is described in this paragraph if the program is a program for which''; (3) in paragraph (3)-- (A) in subparagraph (A)-- (i) in the matter preceding clause (i), by striking ``an educational program'' and inserting ``a covered educational program''; (ii) in clause (iii)(I), by striking ``an educational program that awards a baccalaureate or lesser degree,'' and inserting ``a covered educational program described in clause (i) or (ii) of paragraph (1)(B),''; and (iii) in clause (iii)(II), by striking ``a graduate or professional program,'' and inserting ``a covered educational program described in clause (iii) of paragraph (1)(B),''; and (B) in subparagraph (B)-- (i) in the matter preceding clause (i), by striking ``an educational program'' and inserting ``a covered educational program''; (ii) in clause (i), in the matter preceding subclause (I), by striking ``that awards a baccalaureate or lesser degree'' and inserting ``that is a covered educational program described in clause (i) or (ii) of paragraph (1)(B),''; and (iii) in clause (ii), in the matter preceding subclause (I), by striking ``that is a graduate or professional program'' and inserting ``that is a covered educational program described in clause (iii) of paragraph (1)(B),''; (4) in paragraph (4)-- (A) by striking ``an educational program'' and inserting ``a covered educational program''; and (B) by inserting ``covered'' before ``educational programs''; (5) in paragraph (5)-- (A) by striking ``An educational program'' and inserting ``A covered educational program''; and (B) by striking ``the educational program'' and inserting ``the covered educational program''; (6) in paragraph (6)(A)-- (A) by striking ``an educational program'' and inserting ``a covered educational program''; and (B) by striking ``the educational program'' and inserting ``the covered educational program'', each place the term appears; and (7) in paragraph (7), by striking ``an educational program'' and inserting ``a covered educational program''. SEC. 6. REGULATORY RELIEF. (a) Delay of Rule Relating to Borrower Defense to Repayment.-- Section 85001 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. (b) Delay of Rule Relating to Closed School Discharges.--Section 85002 of the Act titled ``An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14'' (Public Law 119-21; 139 Stat. 72) is repealed and any law or regulation referred to in such section shall be applied as if such section and the amendments made by such section had not been enacted. SEC. 7. MODIFICATION OF EXCISE TAX ON ENDOWMENT INCOME OF PRIVATE COLLEGES AND UNIVERSITIES. (a) In General.--Subsection (a) of section 4968 of the Internal Revenue Code of 1986 is amended by striking ``the applicable percentage'' and inserting ``1.4 percent''. (b) Conforming Amendments.-- (1) Section 4968 of the Internal Revenue Code of 1986 is amended by striking subsection (b) and by redesignating subsections (c), (d), (e), (f), (g), and (h) as subsections (b), (c), (d), (e), (f), and (g), respectively. (2) Subsection (e) of section 4968 of such Code is amended by striking ``(c) and (d)'' and inserting ``(b) and (c)''. (3) Paragraph (1) of section 4968(g) of such Code is amended by striking ``(d) and (f)'' and inserting ``(c) and (e)''. (4) Subsection (o) of section 6033 of such Code is amended-- (A) by striking ``4968(c)'' both places it appears and inserting ``4968(b)'', and (B) by striking ``4968(e)'' in paragraph (2) thereof and inserting ``4968(d)''. (c) Effective Date.--The amendments made by this section shall apply to taxable years beginning after December 31, 2025. <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 przywróceniu dostępności i przystępności studiów wyższych\",\n  \"pl_summary\": \"Projekt cofa niedawne ograniczenia w pożyczkach studenckich i grantach Pell, przywracając korzystniejsze zasady spłaty długu. Wprowadza również zmiany w opodatkowaniu uczelni prywatnych oraz nowe zasady oceny programów studiów pod kątem zarobków absolwentów.\",\n  \"pl_key_points\": [\n    \"Przywrócenie poprzednich, wyższych limitów pożyczek studenckich.\",\n    \"Powrót do dawnych zasad umarzania długów dla pracowników sektora publicznego (PSLF).\",\n    \"Łatwiejszy dostęp do grantów Pell dla studentów w trudniejszej sytuacji finansowej.\",\n    \"Nowe zasady sprawdzania, czy studia faktycznie przygotowują do dobrze płatnej pracy.\",\n    \"Ustalenie podatku od dochodów z funduszy własnych prywatnych uczelni na poziomie 1,4%.\"\n  ],\n  \"eng_ai_title\": \"Restoring College Access and Affordability Act\",\n  \"eng_summary\": \"This bill reverses recent restrictions on student loans and Pell Grants, restoring previous repayment and forgiveness rules. It also adjusts taxes for private universities and updates how educational programs are evaluated based on graduates' earnings.\",\n  \"eng_key_points\": [\n    \"Repeals recent changes to student loan limits and repayment plans.\",\n    \"Restores previous rules for Public Service Loan Forgiveness (PSLF).\",\n    \"Expands eligibility for Pell Grants to help more students afford college.\",\n    \"Implements new standards to ensure degree programs lead to gainful employment.\",\n    \"Sets a 1.4% tax rate on the endowment income of private colleges.\"\n  ],\n  \"de_ai_title\": \"Gesetz zur Wiederherstellung des Zugangs und der Erschwinglichkeit von Hochschulbildung\",\n  \"de_summary\": \"Dieser Gesetzentwurf hebt jüngste Einschränkungen bei Studienkrediten und Pell-Stipendien auf und stellt frühere Rückzahlungsregeln wieder her. Er passt zudem die Steuern für Privatuniversitäten an und führt neue Kriterien für die Bewertung von Studiengängen ein.\",\n  \"de_key_points\": [\n    \"Rücknahme der jüngsten Änderungen bei den Obergrenzen für Studienkredite.\",\n    \"Wiederherstellung der alten Regeln für den Erlass von Studienschulden im öffentlichen Dienst.\",\n    \"Erleichterter Zugang zu Pell-Stipendien für finanzschwache Studierende.\",\n    \"Neue Prüfverfahren, ob Studiengänge Absolventen zu ausreichendem Einkommen verhelfen.\",\n    \"Festlegung einer Steuer von 1,4 % auf Kapitalerträge privater Hochschulen.\"\n  ],\n  \"fr_ai_title\": \"Loi sur le rétablissement de l'accès et du coût abordable de l'université\",\n  \"fr_summary\": \"Ce projet de loi annule les récentes restrictions sur les prêts étudiants et les bourses Pell, rétablissant les anciennes règles de remboursement. Il modifie également la fiscalité des universités privées et les critères d'évaluation des diplômes.\",\n  \"fr_key_points\": [\n    \"Annulation des changements récents sur les plafonds des prêts étudiants.\",\n    \"Rétablissement des anciennes règles pour l'effacement des dettes des employés du secteur public.\",\n    \"Élargissement de l'accès aux bourses Pell pour les étudiants modestes.\",\n    \"Nouveaux standards pour vérifier si les formations mènent à des emplois bien rémunérés.\",\n    \"Fixation d'une taxe de 1,4 % sur les revenus des fonds de dotation des universités privées.\"\n  ],\n  \"es_ai_title\": \"Ley para Restaurar el Acceso y la Asequibilidad a la Universidad\",\n  \"es_summary\": \"Este proyecto de ley revierte las restricciones recientes a los préstamos estudiantiles y las becas Pell, restaurando las reglas anteriores de pago y condonación. También ajusta los impuestos a las universidades privadas y evalúa los programas según los ingresos de los graduados.\",\n  \"es_key_points\": [\n    \"Elimina los cambios recientes en los límites de los préstamos para estudiantes.\",\n    \"Restaura las reglas previas para la condonación de préstamos por servicio público.\",\n    \"Facilita el acceso a las becas Pell para estudiantes con menos recursos.\",\n    \"Nuevas normas para asegurar que los títulos universitarios permitan obtener empleos bien remunerados.\",\n    \"Establece un impuesto del 1,4 % sobre los ingresos de los fondos de reserva de universidades privadas.\"\n  ],\n  \"it_ai_title\": \"Legge per il ripristino dell'accesso e della sostenibilità economica dell'università\",\n  \"it_summary\": \"Questo disegno di legge annulla le recenti restrizioni sui prestiti studenteschi e sulle borse di studio Pell, ripristinando le precedenti regole di rimborso. Modifica inoltre la tassazione per le università private e i criteri di valutazione dei corsi di studio.\",\n  \"it_key_points\": [\n    \"Cancellazione delle recenti modifiche ai limiti dei prestiti studenteschi.\",\n    \"Ripristino delle vecchie regole per la cancellazione del debito per chi lavora nel settore pubblico.\",\n    \"Accesso più semplice alle borse di studio Pell per gli studenti bisognosi.\",\n    \"Nuovi standard per verificare se i corsi di laurea garantiscono guadagni adeguati dopo il diploma.\",\n    \"Fissazione di una tassa dell'1,4% sulle rendite dei fondi patrimoniali delle università private.\"\n  ],\n  \"nl_ai_title\": \"Wet op het herstel van de toegang tot en betaalbaarheid van het hoger onderwijs\",\n  \"nl_summary\": \"Dit wetsvoorstel draait recente beperkingen op studieleningen en Pell-beurzen terug en herstelt de eerdere regels voor terugbetaling. Ook wijzigt het de belastingen voor particuliere universiteiten en de beoordeling van opleidingen.\",\n  \"nl_key_points\": [\n    \"Intrekking van recente wijzigingen in de limieten voor studieleningen.\",\n    \"Herstel van de oude regels voor kwijtschelding van schulden voor werknemers in de publieke sector.\",\n    \"Bredere toegang tot Pell-beurzen voor studenten met een laag inkomen.\",\n    \"Nieuwe normen om te controleren of opleidingen leiden tot een goedbetaalde baan.\",\n    \"Vaststelling van een belasting van 1,4% op de inkomsten uit vermogensfondsen van particuliere universiteiten.\"\n  ],\n  \"pt_ai_title\": \"Lei de Restauração do Acesso e da Acessibilidade Financeira à Universidade\",\n  \"pt_summary\": \"Este projeto de lei reverte restrições recentes aos empréstimos estudantis e bolsas Pell, restaurando as regras anteriores de pagamento e perdão de dívida. Também ajusta impostos para universidades privadas e avalia cursos com base nos rendimentos dos graduados.\",\n  \"pt_key_points\": [\n    \"Revogação das alterações recentes nos limites dos empréstimos estudantis.\",\n    \"Restauro das regras anteriores para o perdão de dívidas de funcionários públicos.\",\n    \"Facilitação do acesso às bolsas Pell para estudantes com menos recursos.\",\n    \"Novos critérios para garantir que os cursos preparem os alunos para empregos bem remunerados.\",\n    \"Fixação de um imposto de 1,4% sobre os rendimentos dos fundos patrimoniais de universidades privadas.\"\n  ],\n  \"category\": [\n    \"Education\",\n    \"Taxes\",\n    \"Benefits\"\n  ]\n}"
    }
  ]
}