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H.R. 423 — Private Student Loan Bankruptcy Fairness Act of 2025 — Project Euthyna

The public record · 119th Congress

Private Student Loan Bankruptcy Fairness Act of 2025

This bill modifies the treatment of certain student loans in bankruptcy.

Specifically, it allows private student loans to be discharged in bankruptcy regardless of whether a debtor demonstrates undue hardship. Under current law, student loans may be discharged in bankruptcy only if the loans impose an undue hardship on the debtor.

Other titles

the names this measure carries besides the one at the top of this page, each with the record's own label for it. The collection includes titles given to parts of a bill as well as to the whole.

To amend title 11 of the United States Code to modify the dischargeability of debts for certain educational payments and loans.Official Title as Introduced

Private Student Loan Bankruptcy Fairness Act of 2025Short Title(s) as Introduced

Legislative history

H.R. 423·House·Bill·Finance and Financial Sector

Rep. Steve Cohen(Democratic-Tennessee-9)·

Jan 15, 2025

IntroducedIntroduced in House

Jan 15, 2025

HouseReferred to the House Committee on the Judiciary.

Documents

Everything Congress printed about this measure. A bill is reprinted each time it changes, the Congressional Research Service summarizes each version, and the committee that reports a bill files its own written account of it.

Bill text

Jan 15, 2025As introduced in the House

Plain-language summaries

Jan 15, 2025Introduced in House

Where it stands

In committee — the House

On the floor — the House

In committee — the Senate

On the floor — the Senate

Resolving differences

With the President

Became law

Path for a House bill