Bills · HR 1739
IN COMMITTEE· 119TH CONGRESS
House BillHR 1739Licensing and registrationsEmployment and training programs
Higher Education Reform and Opportunity Act
INTRO FEB 27· LAST ACTION FEB 27
READING
21MIN
COSPONSORS
0
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed House
Passed Senate
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenThis bill matters to voters because it proposes a major overhaul of the federal student loan system, which affects how millions of Americans pay for college and manage their debt. If it becomes law, future students will face a much different financial landscape for higher education, with potentially clearer, but also stricter, loan terms.
Compared to the current system, students would have less flexibility in loan types and repayment options, and the elimination of loan forgiveness could mean a greater long-term financial burden. The bill's intent for "fiscal accountability" and simplification aims to address concerns about the rising cost of college and the complexity of student debt. However, the changes could also make college less accessible or more financially challenging for some students by removing certain protections and options.
KEY PROVISIONS
5AI-extractedPROVISION 01
Most existing federal direct student loan programs would be phased out, with no new loans made under these programs after September 30, 2030.
This provision fundamentally changes the types of federal student loans available to future students, moving towards a single, streamlined system.
PROVISION 02
A new category of "Federal Direct simplification loans" would be introduced starting July 1, 2026, as the primary federal loan option.
This creates a new, singular federal loan product with distinct terms, replacing the current array of direct loan offerings.
PROVISION 03
These new simplification loans would have fixed interest rates (up to 8.25% for undergraduates, 9.5% for graduates) and specific annual and aggregate borrowing limits.
This establishes clear, predictable costs for borrowers but potentially higher rates for some and stricter limits on total debt.
PROVISION 04
Repayment periods for simplification loans would be fixed at 15 years for undergraduates and 25 years for graduate students, with repayment starting after 125% of the program's normal completion time or 6 months after withdrawal.
This simplifies repayment but removes flexible options like income-driven plans and standardizes the duration of debt for all borrowers.
PROVISION 05
Federal Direct simplification loans would not be eligible for any student loan forgiveness or cancellation programs.
This provision eliminates a significant debt relief option for future borrowers under the new loan system, impacting long-term financial burdens.
SPONSORSHIP
1 + 0
R· Texas
YRS IN OFFICE
7
BILLS LED
68
ACTION TIMELINE
2 EVENTSFEB 27
Introduced in House
FEB 27
Referred to the House Committee on Education and Workforce.
BILL INFO
TypeHouse Bill
NumberHR 1739
Congress119th
StatusIn Committee
IntroducedFeb 27, 2025
Last actionFeb 27, 2025
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IN COMMITTEE· 119TH CONGRESS · EDUCATION AND WORKFORCE COMMITTEE · INTRODUCED FEB 27, 2025
House BillHR 1739Licensing and registrationsEmployment and training programs
Higher Education Reform and Opportunity Act
INTRODUCED FEB 27, 2025· LAST ACTION FEB 27, 2025
PASSAGE CHANCES
—%
READING
21 min
COSPONSORS
0
COMPLEXITY
Moderate
