Matthew Chingos, director of the Urban Institute’s Education Policy Program, testified before the U.S. Senate Health, Education, Labor and Pensions (HELP) committee on modernizing and reforming the Higher Education Act (HEA) to improve federal student aid programs that can increase educational attainment and economic mobility. His testimony addresses the student loan repayment crisis, streamlining student aid into a single grant and a single loan program, and income-driven loan repayment reforms