A Republican bill with 2 Republican cosponsors · See all 2 cosponsors
Last activity — Referred to the House Committee on Education and Workforce.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
This bill is called the Student Transparency for Understanding Decisions in Education Net Terms Act'' or the STUDENT Act''. It proposes to change the Higher Education Act of 1965. The goal is to require the disclosure of the total amount of interest that would be paid over the life of certain Federal student loans. This calculation would be based on the standard repayment plan and the borrower's total outstanding principal.
Yes· 3 of 6
- Scored +5
Would students be better off under this?
Directly benefits students by providing full disclosure of loan interest costs.
- Scored +4
Would people in their twenties and thirties be better off under this?
Provides essential cost transparency for those most likely to take out student loans.
- Scored +3
Would households on low incomes be better off under this?
Helps low-income borrowers understand the full long-term cost of borrowing.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Total Interest Disclosure: By requiring the disclosure of the total interest paid over the life of a loan, borrowers may have a clearer understanding of the long-term cost of their loans (Sec. 2).
Potential Negative Impacts for People
- No negative impacts for individuals or groups of people are explicitly mentioned in the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would students be better off under this? — Directly benefits students by providing full disclosure of loan interest costs. Would people in their twenties and thirties be better off under this? — Provides essential cost transparency for those most likely to take out student loans. Would households on low incomes be better off under this? — Helps low-income borrowers understand the full long-term cost of borrowing. Would middle-income households be better off under this? — Provides clearer financial information for middle-class student borrowers.
- Economy And Finance
- Does this give people more protection from unfair business practices? — Increases transparency for borrowers by disclosing total interest costs of student loans.
- Governance And Ideology
- Does this make what the government does easier for the public to see? — Increases transparency regarding the cost of federal student loans.
- 11/19/2025
- Referred to the House Committee on Education and Workforce.
- 2 Cosponsors added.
- Introduced in House
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Ashley HinsonRepublican · Iowa
Zachary NunnRepublican · Iowa