A Republican bill with 3 Democratic cosponsors · See all 7 cosponsors
Last activity — Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
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
The STUDENT Act requires that certain Federal student loans disclose the total amount of interest that would be paid over the life of the loan. This disclosure must be based on the standard repayment plan and the borrower's total outstanding principal.
Yes· 3 of 14
- Scored +6
Would students be better off under this?
Directly benefits students by allowing them to understand the long-term cost of their education loans.
- Scored +5
Would people in their twenties and thirties be better off under this?
Young adults are the primary demographic taking out student loans and will benefit from increased transparency.
- Scored +4
Would households on low incomes be better off under this?
Helps low-income borrowers avoid unexpected debt accumulation by knowing the total interest cost upfront.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Increased Transparency: The bill requires the disclosure of the total interest paid over the life of a loan, which helps borrowers understand the full cost of their debt. This is found in Section 2.
Potential Negative Impacts for People
- No negative impacts for 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 allowing them to understand the long-term cost of their education loans. Would people in their twenties and thirties be better off under this? — Young adults are the primary demographic taking out student loans and will benefit from increased transparency. Would households on low incomes be better off under this? — Helps low-income borrowers avoid unexpected debt accumulation by knowing the total interest cost upfront. Would middle-income households be better off under this? — Provides transparency in loan costs for middle-class borrowers. Would Black Americans be better off under this? — Beneficial for students of all backgrounds, including those disproportionately affected by student debt. Would Asian Americans be better off under this? — Beneficial for students of all backgrounds, including those disproportionately affected by student debt. Would Hispanic Americans be better off under this? — Beneficial for students of all backgrounds, including those disproportionately affected by student debt. Would people in middle age be better off under this? — Beneficial for those currently repaying federal student loans. Would Native Americans be better off under this? — Beneficial for students of all backgrounds, including those disproportionately affected by student debt. Would white Americans be better off under this? — Beneficial for students of all backgrounds, including those disproportionately affected by student debt. Would high-income households be better off under this? — Provides general transparency, though less critical for high-income individuals.
- Governance And Ideology
- Does this make what the government does easier for the public to see? — Requires the government to provide more transparent cost disclosures for federal loans.
- Economy And Finance
- Does this give people more protection from unfair business practices? — Increases transparency for consumers by disclosing the total cost of student loan interest.
- Education And Technology
- Does this make college cost less? — Provides better information to students to make more affordable borrowing decisions.
- 9/30/2025
- 1 Cosponsor added.
- 9/16/2025
- 1 Cosponsor added.
- 9/10/2025
- Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
- 5 Cosponsors added.
- Introduced in Senate
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.
Chuck GrassleyRepublican · Iowa
Maggie HassanDemocrat · New Hampshire
Amy KlobucharDemocrat · Minnesota
Timothy KaineDemocrat · Virginia
Ashley MoodyRepublican · Florida
Pete RickettsRepublican · Nebraska
Eric SchmittRepublican · Missouri