SEC. 2.
(a) The Student Aid Commission and the Legislative Analyst shall conduct a study of the effects of enacting, in future legislation, a Pay it Forward, Pay it Back Pilot Program. The Legislative Analyst is designated as the lead agency in charge of preparing the study. The study would evaluate a pilot program designed to provide an additional option for students to finance the costs of their education, including the costs of upfront tuition, fees, and room and board, for enrollment at institutions of higher education.(b) The pilot program would do both of the following:
(1) Allow a student who is a state resident, as determined by the respective institution, and who otherwise qualifies for admission to that institution, to enroll at the institution without paying upfront tuition, fees, or room and board.
(2) Provide that, in lieu of paying upfront tuition, fees, or room and board, a student may sign a binding contract to, upon graduation, pay 2 to 4 percent, inclusive, of his or her annual adjusted gross income to the state or the institution for a specified number of years.
(c) The pilot program could vary by institution, in regard to each of the following:
(1) The total cost of attendance at the institution required to be reimbursed.
(2) The portion of the total cost of attendance to be paid by the state.
(3) The number of years that a student shall be required to make payments, as specified in the contract.
(4) The percentage of annual adjusted gross income required to be paid by a student, as specified in the contract.
(d) The study of the pilot program shall do all of the following:
(1) Identify at least one campus of the University of California, one campus of the California State University, one campus of the California Community Colleges, and one campus of a nonprofit private postsecondary educational institution to participate in the pilot program. The campuses identified pursuant to this paragraph shall be regionally diverse.
(2) Based on current research, and projections of state subsidies, specify the number of years and percentage of annual adjusted gross income for a contract at each participating institution that would reimburse the cost of a student’s attendance.
(3) (A) Establish an immediate source of funding for the first 15 to 20 years, inclusive, of the pilot program, which would include the establishment of a revolving fund for the deposit of payments made under the pilot program, and consider the possibility of using social impact bonds as an immediate funding source.
(B) For the purposes of this paragraph, the term “social impact bond” means an agreement between a nongovernmental entity and an institution of higher education under which a student’s cost of attendance is paid for by the nongovernmental entity in exchange for a security interest in the payments made by the student pursuant to paragraph (2) of subdivision (b).
(e) (1) The study of the pilot program shall be presented for consideration by the Legislature.
(2) The Student Aid Commission shall submit a report on the study of the pilot program to the Assembly Committee on Higher Education and the Senate Committee on Education on or before September 30, 2015.