This bill amends section 523(a)(8) of title 11, United States Code, to modify the types of educational debts that are exempt from discharge in bankruptcy. A primary change is the elimination of subparagraph (B) , which currently prevents the discharge of obligations to repay educational benefits, scholarships, or stipends, thereby making these debts dischargeable. Furthermore, the bill revises subparagraph (A) of section 523(a)(8), which addresses loans made or guaranteed by governmental units or nonprofit institutions. It alters the criteria for non-dischargeability by requiring that "substantially all" of the funds for a program be provided by such entities, rather than "in whole or in part," thereby narrowing the category of non-dischargeable government or nonprofit-backed educational loans. These amendments will apply to bankruptcy cases commenced on or after the bill's enactment date.