{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2026\/code-json\/23.1-231.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2026\/code-text\/23.1-231.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2026\/code-xml\/23.1-231.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2026\/code-html\/23.1-231.html"}],"law_id":355261,"edition_id":2,"section_id":355261,"structure_id":50821,"section_number":"23.1-231","catch_line":"Definitions","history":"2018, cc. 489, 755.","full_text":"As used in this article, unless the context requires a different meaning:\n\n“Qualified education loan” means any qualified education loan obtained specifically to finance education or other school-related expenses. “Qualified education loan” does not include credit card debt, home equity loan, or revolving debt.\n\n“Qualified education loan borrower” means (i) any current resident of the Commonwealth who has received or agreed to pay a qualified education loan or (ii) any person who shares responsibility with such resident for repaying the qualified education loan.\n\n“Qualified education loan servicer” or “loan servicer” means any person, wherever located, responsible for the servicing of any qualified education loan to any qualified education loan borrower.\n\n“Servicing” means (i) receiving any scheduled periodic payments from a qualified education loan borrower pursuant to the terms of a qualified education loan; (ii) applying the payments of principal and interest and such other payments, with respect to the amounts received from a qualified education loan borrower, as may be required pursuant to the terms of a qualified education loan; and (iii) performing other administrative services with respect to a qualified education loan.\n\n","order_by":null,"text":{"0":{"id":1322973,"text":"As used in this article, unless the context requires a different meaning:","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1,"next_prefix":""},"1":{"id":1322974,"text":"“Qualified education loan” means any qualified education loan obtained specifically to finance education or other school-related expenses. “Qualified education loan” does not include credit card debt, home equity loan, or revolving debt.","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1,"prior_prefix":"","next_prefix":""},"2":{"id":1322975,"text":"“Qualified education loan borrower” means (i) any current resident of the Commonwealth who has received or agreed to pay a qualified education loan or (ii) any person who shares responsibility with such resident for repaying the qualified education loan.","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1,"prior_prefix":"","next_prefix":""},"3":{"id":1322976,"text":"“Qualified education loan servicer” or “loan servicer” means any person, wherever located, responsible for the servicing of any qualified education loan to any qualified education loan borrower.","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1,"prior_prefix":"","next_prefix":""},"4":{"id":1322977,"text":"“Servicing” means (i) receiving any scheduled periodic payments from a qualified education loan borrower pursuant to the terms of a qualified education loan; (ii) applying the payments of principal and interest and such other payments, with respect to the amounts received from a qualified education loan borrower, as may be required pursuant to the terms of a qualified education loan; and (iii) performing other administrative services with respect to a qualified education loan.","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1,"prior_prefix":""}},"ancestry":[{"id":50821,"edition_id":2,"name":"Office of the Qualified Education Loan Ombudsman","identifier":"4","label":"article","depth":4,"order_by":5,"parent_id":50807,"metadata":{"child_laws":5,"child_structures":0},"date_created":"2026-08-02 02:33:41","date_modified":"2026-08-02 12:31:14","permalink":{"id":1411781,"object_type":"structure","relational_id":50821,"identifier":"4","token":"23.1\/I\/2\/4","url":"\/23.1\/I\/2\/4\/","edition_id":2,"permalink":0,"preferred":1}},{"id":50807,"edition_id":2,"name":"State Council of Higher Education for Virginia","identifier":"2","label":"chapter","depth":3,"order_by":2,"parent_id":50783,"metadata":{"child_laws":38,"child_structures":4},"date_created":"2026-08-02 02:33:33","date_modified":"2026-08-02 12:31:13","permalink":{"id":1411641,"object_type":"structure","relational_id":50807,"identifier":"2","token":"23.1\/I\/2","url":"\/23.1\/I\/2\/","edition_id":2,"permalink":0,"preferred":1}},{"id":50783,"edition_id":2,"name":"General Provisions","identifier":"I","label":"subtitle","depth":2,"order_by":1,"parent_id":50782,"metadata":{"child_laws":61,"child_structures":9},"date_created":"2026-08-02 02:33:18","date_modified":"2026-08-02 12:31:13","permalink":{"id":1411585,"object_type":"structure","relational_id":50783,"identifier":"I","token":"23.1\/I","url":"\/23.1\/I\/","edition_id":2,"permalink":0,"preferred":1}},{"id":50782,"edition_id":2,"name":"Institutions of Higher Education; Other Educational and Cultural Institutions","identifier":"23.1","label":"title","depth":1,"order_by":62,"parent_id":null,"metadata":{"child_laws":594,"child_structures":95},"date_created":"2026-08-02 02:33:18","date_modified":"2026-08-02 12:31:13","permalink":{"id":1411583,"object_type":"structure","relational_id":50782,"identifier":"23.1","token":"23.1","url":"\/23.1\/","edition_id":2,"permalink":0,"preferred":1}}],"structure_contents":[{"id":355261,"structure_id":50821,"section_number":"23.1-231","catch_line":"Definitions","url":"\/23.1-231\/","token":"23.1\/I\/2\/4\/23.1-231","metadata":false},{"id":355266,"structure_id":50821,"section_number":"23.1-232","catch_line":"Office of the Qualified Education Loan Ombudsman established; duties","url":"\/23.1-232\/","token":"23.1\/I\/2\/4\/23.1-232","metadata":false},{"id":355268,"structure_id":50821,"section_number":"23.1-233","catch_line":"Qualified education loan borrower education course","url":"\/23.1-233\/","token":"23.1\/I\/2\/4\/23.1-233","metadata":false},{"id":355267,"structure_id":50821,"section_number":"23.1-233.1","catch_line":"Qualified education loans; certain providers; contact information and summary","url":"\/23.1-233.1\/","token":"23.1\/I\/2\/4\/23.1-233.1","metadata":false},{"id":355269,"structure_id":50821,"section_number":"23.1-234","catch_line":"Reports","url":"\/23.1-234\/","token":"23.1\/I\/2\/4\/23.1-234","metadata":false}],"next_section":{"id":355266,"structure_id":50821,"section_number":"23.1-232","catch_line":"Office of the Qualified Education Loan Ombudsman established; duties","url":"\/23.1-232\/","token":"23.1\/I\/2\/4\/23.1-232","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/23.1-231\/","history_text":"

This law was first created in 2018. The record of its establishment is cataloged in chapters 489<\/a> and 755<\/a> of that year\u2019s edition of \u201cActs of Assembly,\u201d the annual state publication listing all changes made to the Code of Virginia in that year.<\/p>","references":false,"refers_to":false,"permalink":{"id":1411783,"object_type":"law","relational_id":355261,"identifier":"23.1-231","token":"23.1\/I\/2\/4\/23.1-231","url":"\/23.1-231\/","edition_id":2,"permalink":0,"preferred":1},"url":"\/23.1-231\/","token":"23.1\/I\/2\/4\/23.1-231","dublin_core":{"Title":"Definitions","Type":"Text","Format":"text\/html","Identifier":"\u00a7 23.1-231","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

As used in this article, unless the context requires a different meaning:<\/p>

“Qualified education loan<\/span>” means any qualified education loan<\/span> obtained specifically to finance education or other school-related expenses. “Qualified education loan<\/span>” does not include credit card debt, home equity<\/span> loan, or revolving debt.<\/p>

“Qualified education loan borrower<\/span>” means (i) any current resident of the Commonwealth who has received or agreed to pay a qualified education loan<\/span> or (ii) any person who shares responsibility with such resident for repaying the qualified education loan<\/span>.<\/p>

“Qualified education loan servicer<\/span>” or “loan servicer” means any person, wherever located, responsible for the servicing<\/span> of any qualified education loan<\/span> to any qualified education loan borrower<\/span>.<\/p>

“Servicing<\/span>” means (i) receiving any scheduled periodic payments from a qualified education loan borrower<\/span> pursuant to the terms of a qualified education loan<\/span>; (ii) applying the payments of principal and interest and such other payments, with respect to the amounts received from a qualified education loan borrower<\/span>, as may be required pursuant to the terms of a qualified education loan<\/span>; and (iii) performing other administrative services with respect to a qualified education loan<\/span>.<\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nDEFINITIONS (\u00a7 23.1-231)\n\nAs used in this article, unless the context requires a different meaning:\n\n“Qualified education loan” means any qualified education loan\nobtained specifically to finance education or other school-related expenses.\n“Qualified education loan” does not include credit card debt, home\nequity loan, or revolving debt.\n\n“Qualified education loan borrower” means (i) any current resident\nof the Commonwealth who has received or agreed to pay a qualified education loan\nor (ii) any person who shares responsibility with such resident for repaying the\nqualified education loan.\n\n“Qualified education loan servicer” or “loan servicer”\nmeans any person, wherever located, responsible for the servicing of any\nqualified education loan to any qualified education loan borrower.\n\n“Servicing” means (i) receiving any scheduled periodic payments from\na qualified education loan borrower pursuant to the terms of a qualified\neducation loan; (ii) applying the payments of principal and interest and such\nother payments, with respect to the amounts received from a qualified education\nloan borrower, as may be required pursuant to the terms of a qualified education\nloan; and (iii) performing other administrative services with respect to a\nqualified education loan.\n\nHISTORY: 2018, cc. 489, 755.","edition":{"id":2,"name":"2026","slug":"2026","date_created":"2026-07-16 18:40:23","date_modified":"2026-08-02 15:14:36","current":1,"order_by":2,"last_import":"2026-08-02 12:37:30"}}