The VALOR Act of 2025 proposes significant amendments to the Public Service Loan Forgiveness (PSLF) program, specifically targeting members of the Armed Forces, National Guard, and the commissioned corps of the National Oceanic and Atmospheric Administration . This legislation introduces special rules for borrowers engaged in "covered active duty service" to ensure their military and public service is appropriately recognized for student loan forgiveness. Key provisions include deeming certain monthly payments as qualifying for PSLF, even if they were deferred or would have been due during forbearance because of active duty or National Guard service. Additionally, the bill waives the standard full-time employment requirement for borrowers who complete 10 years of full-time employment in covered active duty service, directly linking their extended service to loan forgiveness eligibility. It also ensures that eligible service members can receive PSLF benefits regardless of when they initially enrolled in the program, removing a common administrative hurdle.