REDI Act

# REDI Act Summary **What the Bill Does** The REDI Act would allow doctors and dentists in training programs (internships and residencies) to pause their student loan payments until they finish their training. Currently, these medical and dental residents must make loan payments while earning relatively low salaries during their training years. This bill would let them defer—or delay—those payments until after they complete their programs and presumably earn higher incomes as practicing physicians or dentists. **Who It Affects** The bill targets medical and dental residents undergoing specialized training after completing their initial degrees.

This includes interns and residents in hospitals and clinical training programs. These professionals typically carry substantial student debt from medical or dental school while earning modest resident salaries, often in the $60,000-$70,000 range, depending on their specialty and location. **Current Status** The bill (HR 2028) was introduced by Representative Brian Babin (R-TX) in the 119th Congress and is currently in committee, meaning it has not yet been voted on by the full House. The bill has not advanced to a vote or become law.