Referred to the House Committee on Education and Workforce.
This bill repeals the statutory provision that imposes origination fees on Federal Direct student loans (20 U.S.C. 1087e(c)). Loans first disbursed, or consolidation applications received, on or after the July 1 after enactment would not carry origination fees.
Budgetary cost versus immediate borrower relief
Relative to its intended legislative type, this bill is a narrowly focused substantive amendment that is legally precise in its statutory repeal and effective-date rule and integrates cleanly with existing law.
This bill repeals the statutory provision that imposes origination fees on Federal Direct student loans (20 U.S.C. 1087e(c)).
Loans first disbursed, or consolidation applications received, on or after the July 1 after enactment would not carry origination fees.
No other loan terms are changed in the text provided.
Simple, popular fix for borrowers but creates fiscal cost without offsets, reducing chances especially in the Senate.
Relative to its intended legislative type, this bill is a narrowly focused substantive amendment that is legally precise in its statutory repeal and effective-date rule and integrates cleanly with existing law. It lacks fiscal acknowledgment, comprehensive transitional provisions, and oversight measures.
Budgetary cost versus immediate borrower relief
These are examples from the analysis, not a ranked list of the most-affected groups.
Budgetary cost versus immediate borrower relief
Likely supportive as targeted borrower relief that reduces upfront costs, especially for low-income students.
Sees the repeal as a progressive step toward affordability, though it is narrower than broader debt cancellation proposals.
Will want assurances that benefits reach disadvantaged borrowers and prefer revenue offsets from wealthier sources.
Cautiously receptive to borrower relief but focused on fiscal responsibility.
Sees merit in eliminating an upfront fee that complicates loans, yet wants a CBO score and credible offsets or sunset to prevent deficit increases.
Support likely conditional on budgetary details.
Likely opposed on fiscal and principle grounds, viewing repeal as an additional subsidy increasing federal exposure to student loans.
Prefers market discipline and state/local solutions and will press for pay‑fors or eligibility limits if negotiations occur.
Reached or meaningfully advanced
Reached or meaningfully advanced
Still ahead
Still ahead
Still ahead
Simple, popular fix for borrowers but creates fiscal cost without offsets, reducing chances especially in the Senate.
The bill has not accumulated any surfaced votes yet.
Budgetary cost versus immediate borrower relief
Simple, popular fix for borrowers but creates fiscal cost without offsets, reducing chances especially in the Senate.
Relative to its intended legislative type, this bill is a narrowly focused substantive amendment that is legally precise in its statutory repeal and effective-date rule and integrates cleanly with existing law. It lacks…
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