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Student Loan Tax Elimination Act
To amend the Higher Education Act of 1965 to eliminate origination fees on Federal Direct loans.
Summary
This bill amends the Higher Education Act to eliminate origination fees on Federal Direct loans. Origination fees are charges deducted from loan disbursements when a loan is first made. The change applies to Federal Direct loans for which the first disbursement occurs, or consolidation loan applications are received, on or after July 1 following enactment of the bill. Beginning on that date, borrowers taking out new Federal Direct loans will not have origination fees subtracted from their loan amounts.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
4 cosponsors
Money behind the sponsor
Top reported contributors to Lloyd Smucker’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.
- NULL $44,770
- DIRECT WIRE AND CABLE $13,200
- SELECT MEDICAL $11,600
- LANCASTER SCHOOL OF COSMETOLOGY $11,100
- SCENIC RIDGE $8,425
Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for Lloyd Smucker → · Outside spending →
Actions (2)
- May 1, 2025 Referred to the House Committee on Education and Workforce. · house
- May 1, 2025 Introduced in House
Similar bills (6)
Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.
Text versions (1)
Bills are re-published as they move (Introduced → Reported → Engrossed → Enrolled …). Each stage below is a separate text; pick two to see what changed. Data from Congress.gov.
Full text
IN THE HOUSE OF REPRESENTATIVES
May 1, 2025
Mr. Smucker (for himself and Ms. Davids of Kansas) introduced the following bill; which was referred to the Committee on Education and Workforce
A BILL
To amend the Higher Education Act of 1965 to eliminate origination fees on Federal Direct loans.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the “Student Loan Tax Elimination Act”.
SEC. 2. ELIMINATION OF ORIGINATION FEES ON FEDERAL DIRECT LOANS.
(a) Repeal of Origination Fees.—Subsection (c) of section 455 of the Higher Education Act of 1965 (20 U.S.C. 1087e(c)) is repealed.
(b) Effective Date.—The amendment made by subsection (a) shall apply with respect to loans made under part D of title IV of the Higher Education Act of 1965 (20 U.S.C. 1087a et seq.) for which the first disbursement of principal is made, or, in the case of a Federal Direct Consolidation Loan, the application is received, on or after July 1 following the enactment of this Act. <all>
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