Latest action: Placed on Senate Legislative Calendar under General Orders. Calendar No. 539.
Bill is filed in its originating chamber and assigned a number.
Sponsor
Lisa Murkowski (R-AK)
Filed in the Senate.
Next: In Committee
Members of the committee(s) the bill was referred to
Requires states to educate students about education loans and borrowing.
The problem
Many students lack understanding of student loan options, terms, and consequences before borrowing money for college.
The proposal
Bill requires state education systems to provide awareness programs about education loans, including federal and private loan information.
The impact
Students, parents, schools, and state education departments. Students gain loan knowledge; schools add curriculum; states manage implementation.
Educating students about loans before borrowing helps them make smarter financial choices. Students learn about interest rates, repayment options, and loan consequences early.
Informed borrowers may avoid taking excessive loans or choosing poor loan types. This could reduce student debt defaults and financial hardship after graduation.
Standardized state education about loans ensures all students, regardless of family wealth, learn about borrowing. Low-income students especially benefit from formal financial education.
Students with better loan knowledge may graduate with less debt and stronger credit. This improves their financial stability and economic participation later.
States and schools must spend money developing and teaching new loan awareness curriculum. Training teachers and creating materials requires state education budget increases.
Adding loan education takes classroom time away from other subjects. Schools must decide what existing content to reduce or replace.
States may implement awareness programs differently, creating inconsistent education quality. Some states may have better resources to develop comprehensive programs than others.
Awareness alone does not solve underlying affordability issues or reduce actual loan costs. Students still face high tuition even with better financial knowledge.
Generated by AI from the bill text. Not a prediction and not legal or policy advice. The percentage is the model's own rating of each item — self-reported, and not a measure of how accurate it is.
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Individual contributions, grouped by employer · FEC
Where their individual donors work · 2026 cycle
Money from people who work there, not from the company. Not tied to this bill.
Itemized individual contributions via FEC, grouped by the employer each contributor self-reported. Companies and unions cannot contribute to federal candidates from their treasuries, so these totals are money from people who work at an employer — never from the organization itself. They are campaign contributions covering a full election cycle and are not connected to this bill.
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