20 U.S.C. § 1091a

Statute of limitations, and State court judgments

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(a) In general(1) It is the purpose of this subsection to ensure that obligations to repay loans and grant overpayments are enforced without regard to any Federal or State statutory, regulatory, or administrative limitation on the period within which debts may be enforced.(2) Notwithstanding any other provision of statute, regulation, or administrative limitation, no limitation shall terminate the period within which suit may be filed, a judgment may be enforced, or an offset, garnishment, or other action initiated or taken by—(A) an institution that receives funds under this subchapter that is seeking to collect a refund due from a student on a grant made, or work assistance awarded, under this subchapter;(B) a guaranty agency that has an agreement with the Secretary under section 1078(c) of this title that is seeking the repayment of the amount due from a borrower on a loan made under part B of this subchapter after such guaranty agency reimburses the previous holder of the loan for its loss on account of the default of the borrower;(C) an institution that has an agreement with the Secretary pursuant to section 1087c or 1087cc(a) of this title that is seeking the repayment of the amount due from a borrower on a loan made under part D or E of this subchapter after the default of the borrower on such loan; or(D) the Secretary, the Attorney General, or the administrative head of another Federal agency, as the case may be, for payment of a refund due from a student on a grant made under this subchapter, or for the repayment of the amount due from a borrower on a loan made under this subchapter that has been assigned to the Secretary under this subchapter.(b) Assessment of costs and other chargesNotwithstanding any provision of State law to the contrary—(1) a borrower who has defaulted on a loan made under this subchapter shall be required to pay, in addition to other charges specified in this subchapter reasonable collection costs;(2) in collecting any obligation arising from a loan made under part B of this subchapter, a guaranty agency or the Secretary shall not be subject to a defense raised by any borrower based on a claim of infancy; and(3) in collecting any obligation arising from a loan made under part E, an institution of higher education that has an agreement with the Secretary pursuant to section 1087cc(a) of this title shall not be subject to a defense raised by any borrower based on a claim of infancy.(c) State court judgments

A judgment of a State court for the recovery of money provided as grant, loan, or work assistance under this subchapter that has been assigned or transferred to the Secretary under this subchapter may be registered in any district court of the United States by filing a certified copy of the judgment and a copy of the assignment or transfer. A judgment so registered shall have the same force and effect, and may be enforced in the same manner, as a judgment of the district court of the district in which the judgment is registered.

(d) Special rule

This section shall not apply in the case of a student who is deceased, or to a deceased student’s estate or the estate of such student’s family. If a student is deceased, then the student’s estate or the estate of the student’s family shall not be required to repay any financial assistance under this subchapter, including interest paid on the student’s behalf, collection costs, or other charges specified in this subchapter.

(Pub. L. 89–329, title IV, § 484A, as added Pub. L. 99–498, title IV, § 407(a), Oct. 17, 1986, 100 Stat. 1482; amended Pub. L. 102–26, § 3(a), Apr. 9, 1991, 105 Stat. 124; Pub. L. 105–244, title IV, § 484, Oct. 7, 1998, 112 Stat. 1737; Pub. L. 110–315, title IV, § 486, Aug. 14, 2008, 122 Stat. 3290.)Editorial NotesPrior Provisions

A prior section 1091a, Pub. L. 89–329, title IV, § 484A, as added Pub. L. 99–272, title XVI, § 16033, Apr. 7, 1986, 100 Stat. 355, related to statute of limitations, collection costs, and defense of infancy, prior to the general revision of this part by Pub. L. 99–498.

Another prior section 1091a, Pub. L. 89–329, title V, § 502, as added Pub. L. 90–35, § 2(c), June 29, 1967, 81 Stat. 82; amended Pub. L. 91–230, title IV, § 401(h)(4), title VIII, § 802, Apr. 13, 1970, 84 Stat. 174, 190; Pub. L. 92–318, title I, § 141(c)(1)(A), June 23, 1972, 86 Stat. 285, established the National Advisory Council on Education Professions Development and set forth functions, composition, etc., of the Council, prior to repeal by Pub. L. 94–482, title I, § 151(a)(2), (b), Oct. 12, 1976, 90 Stat. 2151, effective Sept. 30, 1976.

Amendments

2008—Subsec. (b)(3). Pub. L. 110–315, § 486(1), added par. (3).

Subsec. (d). Pub. L. 110–315, § 486(2), added subsec. (d).

1998—Pub. L. 105–244, § 484(1), inserted “, and State court judgments” after “limitations” in section catchline.

Subsec. (c). Pub. L. 105–244, § 484(2), added subsec. (c).

1991—Subsec. (a). Pub. L. 102–26 amended subsec. (a) generally, substituting provisions eliminating statute of limitations for student loan collections for provisions establishing six year limitations period for collection of such loans.

Statutory Notes and Related SubsidiariesEffective Date of 1998 Amendment

Amendment by Pub. L. 105–244 effective Oct. 1, 1998, except as otherwise provided in Pub. L. 105–244, see section 3 of Pub. L. 105–244, set out as a note under section 1001 of this title.

Effective Date of 1991 Amendment

Pub. L. 102–26, § 3(c), Apr. 9, 1991, 105 Stat. 125, as amended by Pub. L. 102–325, title XV, § 1551, July 23, 1992, 105 Stat. 838, provided that: “The amendments made by this section [amending this section] shall be effective as if enacted by the Consolidated Omnibus Budget Reconciliation Act of 1985 (Public Law 99–272), and shall apply to any actions pending on or after the date of enactment of the Higher Education Technical Amendments of 1991 [Apr. 9, 1991].”

Notes of Decisions
Cited in 104 cases (9 in the last 5 years), 1988–2026 · leading case: Bryana Bible v. United Student Aid Funds, Inc., 799 F.3d 633 (7th Cir. 2015).
Bryana Bible v. United Student Aid Funds, Inc., 799 F.3d 633 (7th Cir. 2015). · cites it 12× “” 20 U.S.C. § 1091a(b)(1). Con- gress chose not to define the meaning of “reasonable collec- tion costs” in the statute and instead “left it up to the Secre- tary [of Education] to interpret that term through regula- 8 No.”
Guillermety v. Sec'y of Educ. of the United States, 241 F. Supp. 2d 727 (E.D. Mich. 2002). · cites it 15× “§ 3716 ; and (3) 20 U.S.C. § 1091a. The Court heard oral argument on July 30, 2002.”
United States v. Donald B. Phillips, 20 F.3d 1005 (9th Cir. 1994). · cites it 7× “123 (1991) (codified at 20 U.S.C. § 1091a(a)), eliminated all statutes of limitation on actions to recover on defaulted student loans and thereby revived this action against Phillips.”
Mountain Peaks Fin. Servs., Inc. v. Roth-Steffen, 778 N.W.2d 380 (Minn. Ct. App. 2010). · cites it 8× “Does the Higher Education Act, 20 U.S.C. § 1091a, preempt Minnesota statutes of limitation in collection actions initiated by assignees of named lenders? II.”
United States v. Lawrence, 276 F.3d 193 (5th Cir. 2001). · cites it 2× “Lawrence argues that the district court erred when it refused to apply the defense of laches and held that 20 U.S.C. § 1091a retroactively eliminated all statutes of limitations and laches defenses for collection of student loans.”
State of New York Higher Educ. Servs. Corp. v. Upshur, 252 A.D.2d 333 (N.Y. App. Div. 1999). · cites it 10× “Plaintiff thereafter moved for reargument, contending, inter alia, that Supreme Court had inadvertently failed to consider the fact that 20 USC § 1091a 1 preempts the field of guaranteed student loans and eliminates all State Statutes of Limitations for commencing suit, entering…”
United States v. Robbins, 819 F. Supp. 672 (E.D. Mich. 1993). · cites it 9× “The present version of 20 U.S.C. § 1091a states in pertinent part: § 1091a.”
Lockhart v. United States, 546 U.S. 142 (2005). · cites it 2× “no limitation shall terminate the period within which suit may be filed, a judgment may be enforced, or an offset, garnishment, or other action initiated or taken," 20 U. S. C. §1091a(a)(2), for the repayment of various student loans, including the loans at issue here,…”
Joseph M. Black, Jr., Tr. v. Educ. Credit Mgmt. Corp. & Margaret Spellings, Sec'y of Educ., 459 F.3d 796 (7th Cir. 2006). · cites it 4× “The central issue in this case is whether a regulation promulgated by the Secretary of Education that allows the assessment of collection costs on defaulted student loans to be done on a formulaic basis was a permissible implementation of the governing statute, 20 U.S.C. §…”
In Re Schlehr, 290 B.R. 387 (Bankr. D. Mont. 2003). · cites it 7× “Fisher testified that ECMC is mandated by 20 U.S.C. § 1091a to assess collection costs, and that the Secretary of Education has mandated the manner in which ECMC assesses collection costs at 34 C.”
United States v. Smith, 862 F. Supp. 257 (D. Haw. 1994). · cites it 7× “The United States asserts that the action is not time-barred because the Higher Education Technical Amendments of 1991 (“HETA”), codified at 20 U.S.C. § 1091a(a), eliminated all statutes of limitation on actions to recover on defaulted student loans and thereby revived this…”
Ascendium Educ. Solutions, Inc. v. Miguel Cardona, 78 F.4th 470 (D.C. Cir. 2023). · cites it 8× “See 20 U.S.C. §§ 1091a(b)(1), 1078-6. But in 2019, the Department of Education issued the Rule at issue in this case — 34 C.”
— 20 U.S.C. § 1091a(a) — 29 cases
United States v. Donald B. Phillips, 20 F.3d 1005 (9th Cir. 1994). “123 (1991) (codified at 20 U.S.C. § 1091a(a)), eliminated all statutes of limitation on actions to recover on defaulted student loans and thereby revived this action against Phillips.”
United States v. Robbins, 819 F. Supp. 672 (E.D. Mich. 1993). “The present version of 20 U.S.C. § 1091a states in pertinent part: § 1091a.”
United States v. Smith, 862 F. Supp. 257 (D. Haw. 1994). “The United States asserts that the action is not time-barred because the Higher Education Technical Amendments of 1991 (“HETA”), codified at 20 U.S.C. § 1091a(a), eliminated all statutes of limitation on actions to recover on defaulted student loans and thereby revived this…”
United States v. Brown, 7 F. App'x 353 (6th Cir. 2001).
April Brannan v. United Student Aid Funds, Inc., 94 F.3d 1260 (9th Cir. 1996).
— 20 U.S.C. § 1091a(a)(1) — 1 case
United States v. Donald B. Phillips, 20 F.3d 1005 (9th Cir. 1994). “123 (1991) (codified at 20 U.S.C. § 1091a(a)), eliminated all statutes of limitation on actions to recover on defaulted student loans and thereby revived this action against Phillips.”
— 20 U.S.C. § 1091a(a)(2) — 15 cases
Lockhart v. United States, 546 U.S. 142 (2005). “no limitation shall terminate the period within which suit may be filed, a judgment may be enforced, or an offset, garnishment, or other action initiated or taken," 20 U. S. C. §1091a(a)(2), for the repayment of various student loans, including the loans at issue here,…”
Mountain Peaks Fin. Servs., Inc. v. Roth-Steffen, 778 N.W.2d 380 (Minn. Ct. App. 2010). “Does the Higher Education Act, 20 U.S.C. § 1091a, preempt Minnesota statutes of limitation in collection actions initiated by assignees of named lenders? II.”
Guillermety v. Sec'y of Educ. of the United States, 241 F. Supp. 2d 727 (E.D. Mich. 2002). “§ 3716 ; and (3) 20 U.S.C. § 1091a. The Court heard oral argument on July 30, 2002.”
United States v. Henry P. Glockson, 998 F.2d 896 (11th Cir. 1993).
— 20 U.S.C. § 1091a(a)(2)(B) — 1 case
Mountain Peaks Fin. Servs., Inc. v. Roth-Steffen, 778 N.W.2d 380 (Minn. Ct. App. 2010). “Does the Higher Education Act, 20 U.S.C. § 1091a, preempt Minnesota statutes of limitation in collection actions initiated by assignees of named lenders? II.”
— 20 U.S.C. § 1091a(a)(2)(D) — 6 cases
Mountain Peaks Fin. Servs., Inc. v. Roth-Steffen, 778 N.W.2d 380 (Minn. Ct. App. 2010). “Does the Higher Education Act, 20 U.S.C. § 1091a, preempt Minnesota statutes of limitation in collection actions initiated by assignees of named lenders? II.”
Guillermety v. Sec'y of Educ. of the United States, 241 F. Supp. 2d 727 (E.D. Mich. 2002). “§ 3716 ; and (3) 20 U.S.C. § 1091a. The Court heard oral argument on July 30, 2002.”
United States v. Tuerk, 317 F. App'x 251 (3rd Cir. 2009).
Sibley v. United States Dep't of Educ., 913 F. Supp. 1181 (N.D. Ill. 1995).
— 20 U.S.C. § 1091a(a)(2)(b) — 1 case
In Re Sprolito, 359 B.R. 423 (Bankr. D.P.R. 2006).
— 20 U.S.C. § 1091a(a)(4) — 4 cases
United States v. Smith, 811 F. Supp. 646 (S.D. Ala. 1992).
United States v. McLaughlin, 7 F. Supp. 2d 90 (D. Mass. 1998).
United States v. Cawley, 821 F. Supp. 1219 (E.D. Mich. 1993).
— 20 U.S.C. § 1091a(a)(4)(B) — 5 cases
United States v. Distefano, 279 F.3d 1241 (10th Cir. 2002).
United States v. Donald B. Phillips, 20 F.3d 1005 (9th Cir. 1994). “123 (1991) (codified at 20 U.S.C. § 1091a(a)), eliminated all statutes of limitation on actions to recover on defaulted student loans and thereby revived this action against Phillips.”
United States v. Smith, 862 F. Supp. 257 (D. Haw. 1994). “The United States asserts that the action is not time-barred because the Higher Education Technical Amendments of 1991 (“HETA”), codified at 20 U.S.C. § 1091a(a), eliminated all statutes of limitation on actions to recover on defaulted student loans and thereby revived this…”
— 20 U.S.C. § 1091a(a)(4)(C) — 8 cases
United States v. Stella Menatos, 925 F.2d 333 (9th Cir. 1991).
United States v. Hunter, 700 F. Supp. 26 (M.D. Fla. 1988).
United States v. Robbins, 819 F. Supp. 672 (E.D. Mich. 1993). “The present version of 20 U.S.C. § 1091a states in pertinent part: § 1091a.”
— 20 U.S.C. § 1091a(a)(l) — 9 cases
United States v. Lawrence, 276 F.3d 193 (5th Cir. 2001). “Lawrence argues that the district court erred when it refused to apply the defense of laches and held that 20 U.S.C. § 1091a retroactively eliminated all statutes of limitations and laches defenses for collection of student loans.”
Cota v. U.S. Dep't of Educ. (In Re Cota), 298 B.R. 408 (Bankr. D. Ariz. 2003).
Guillermety v. Sec'y of Educ. of the United States, 241 F. Supp. 2d 727 (E.D. Mich. 2002). “§ 3716 ; and (3) 20 U.S.C. § 1091a. The Court heard oral argument on July 30, 2002.”
United States v. Smith, 862 F. Supp. 257 (D. Haw. 1994). “The United States asserts that the action is not time-barred because the Higher Education Technical Amendments of 1991 (“HETA”), codified at 20 U.S.C. § 1091a(a), eliminated all statutes of limitation on actions to recover on defaulted student loans and thereby revived this…”
Mountain Peaks Fin. Servs., Inc. v. Roth-Steffen, 778 N.W.2d 380 (Minn. Ct. App. 2010). “Does the Higher Education Act, 20 U.S.C. § 1091a, preempt Minnesota statutes of limitation in collection actions initiated by assignees of named lenders? II.”
— 20 U.S.C. § 1091a(b) — 11 cases
Educ. Credit Mgmt. Corp. v. Barnes, 318 B.R. 482 (Bankr. S.D. Ind. 2004).
April Brannan v. United Student Aid Funds, Inc., 94 F.3d 1260 (9th Cir. 1996).
Franklin Coll. v. Turner, 844 N.E.2d 99 (Ind. Ct. App. 2006).
Jackson v. Culinary Sch. of Washington, 788 F. Supp. 1233 (D.D.C. 1992).
Trs. of Tufts Coll. v. Ramsdell, 554 N.E.2d 34 (Mass. App. Ct. 1990).
— 20 U.S.C. § 1091a(b)(1) — 7 cases
Bryana Bible v. United Student Aid Funds, Inc., 799 F.3d 633 (7th Cir. 2015). “” 20 U.S.C. § 1091a(b)(1). Con- gress chose not to define the meaning of “reasonable collec- tion costs” in the statute and instead “left it up to the Secre- tary [of Education] to interpret that term through regula- 8 No.”
Ascendium Educ. Solutions, Inc. v. Miguel Cardona, 78 F.4th 470 (D.C. Cir. 2023). “See 20 U.S.C. §§ 1091a(b)(1), 1078-6. But in 2019, the Department of Education issued the Rule at issue in this case — 34 C.”
In Re Sprolito, 359 B.R. 423 (Bankr. D.P.R. 2006).
Charles R. Estes, et al. v. P ECMC Grp., Inc., 2021 DNH 117 (D.N.H. 2021).
Estes v. ECMC Grp., Inc. (D.N.H. 2021).
— 20 U.S.C. § 1091a(b)(l) — 10 cases
Bryana Bible v. United Student Aid Funds, Inc., 799 F.3d 633 (7th Cir. 2015). “” 20 U.S.C. § 1091a(b)(1). Con- gress chose not to define the meaning of “reasonable collec- tion costs” in the statute and instead “left it up to the Secre- tary [of Education] to interpret that term through regula- 8 No.”
Joseph M. Black, Jr., Tr. v. Educ. Credit Mgmt. Corp. & Margaret Spellings, Sec'y of Educ., 459 F.3d 796 (7th Cir. 2006). “The central issue in this case is whether a regulation promulgated by the Secretary of Education that allows the assessment of collection costs on defaulted student loans to be done on a formulaic basis was a permissible implementation of the governing statute, 20 U.S.C. §…”
In Re Schlehr, 290 B.R. 387 (Bankr. D. Mont. 2003). “Fisher testified that ECMC is mandated by 20 U.S.C. § 1091a to assess collection costs, and that the Secretary of Education has mandated the manner in which ECMC assesses collection costs at 34 C.”
Tipton v. Sec'y of Educ. of the United States, 768 F. Supp. 540 (S.D.W. Va 1991).
Bryana Bible v. United Student Aid Funds, Inc., 807 F.3d 839 (7th Cir. 2015).
— 20 U.S.C. § 1091a(c) — 1 case
United States v. Wall, 794 F. Supp. 350 (D. Or. 1992).
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