First of all, Federal student loans already have the option to rehabilitate the loan after the borrower has made 9 out of 10 consecutive on-time payments. H.R. 3621 simply brings private student loans in line with Federal student loans, so 9 out of 10. It is not science like climate change is, but it is pretty good, and it is based on current law for Federal student loans. Secondly, I would submit, don't try to make the perfect the enemy of the good. I was here for 8 years in the minority, and I don't remember the majority bringing any bills to help consumers on any student loans, any loans, or anything at all. Fortunately, we are in the majority, and we are bringing you bills to help consumers, and this bill helps people with student loans. Mr. Chair, I once again reiterate that I urge people to support this, and I reserve the balance of my time. Mr. McHENRY. Mr. Chair, may I inquire how much time is remaining on both sides. The Acting CHAIR. The gentleman from North Carolina has 30 seconds remaining. The gentleman from Tennessee has 1\1/4\ minutes. Mr. McHENRY. Mr. Chair, I am prepared to close, and I reserve the balance of my time.
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