Shri Thanedar (D-MI)
Stopping Abusive Student Loan Collection Practices in Bankruptcy Act of 2026
A Democratic bill with no cosponsors
Last activity — Referred to the House Committee on the Judiciary.
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
H.R. 9111 is known as the "Stopping Abusive Student Loan Collection Practices in Bankruptcy Act of 2026". The bill was introduced in the House of Representatives on June 2, 2026. It aims to amend title 11 of the United States Code. The purpose of the legislation is to stop abusive student loan collection practices in bankruptcy cases. It does this by amending section 523(d) of title 11 regarding a debtor requesting a determination of the dischargeability of a debt based on undue hardship. The Act takes effect on the date of its enactment and applies only to cases commenced on or after that date.
Yes· 3 of 9
- Scored +7
Would students be better off under this?
The bill provides direct statutory protections for student loan borrowers navigating bankruptcy.
- Scored +7
Does this reduce what student borrowers owe or repay?
The legislation directly amends bankruptcy code to facilitate undue hardship determinations for student loans.
- Scored +6
Would people in their twenties and thirties be better off under this?
Young adults carry a significant portion of student loan debt and benefit directly from bankruptcy protections against abusive collection practices.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Protection during bankruptcy: Section 2 of the bill amends section 523(d) of title 11 to include situations where the debtor requests a determination of the dischargeability of a debt based on undue hardship under subsection (a)(8). This could benefit individuals by helping to stop abusive student loan collection practices when they seek bankruptcy relief.
Potential Negative Impacts for People
- No negative impacts identified: Based strictly on the provided text, there are no specific negative consequences, burdens, or provisions identified that would harm individuals or groups of people.
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? — The bill provides direct statutory protections for student loan borrowers navigating bankruptcy. Would households on low incomes be better off under this? — Low-income households facing severe financial distress and bankruptcy receive crucial protections regarding student loan debt. Would people in their twenties and thirties be better off under this? — Young adults carry a significant portion of student loan debt and benefit directly from bankruptcy protections against abusive collection practices. Would middle-income households be better off under this? — Middle-class households struggling with student loan debt burdens can benefit from clearer undue hardship provisions. Would people in middle age be better off under this? — Middle-aged individuals still burdened with student loans will benefit from improved bankruptcy relief options.
- Education And Technology
- Does this reduce what student borrowers owe or repay? — The legislation directly amends bankruptcy code to facilitate undue hardship determinations for student loans. Does this make college cost less? — By preventing abusive collection practices and supporting undue hardship discharges in bankruptcy, the bill aids student loan borrowers facing severe financial distress.
- Economy And Finance
- Does this give people more protection from unfair business practices? — The bill protects debtors from abusive student loan collection practices during bankruptcy proceedings.
- Governance And Ideology
- Does this protect the right to fair treatment by the courts? — Enhances procedural fairness for debtors seeking discharge of student loans based on undue hardship.
- 6/2/2026
- Referred to the House Committee on the Judiciary.
- 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.