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HR 3285
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Student Loan Marriage Penalty Elimination Act of 2025

To amend the Internal Revenue Code of 1986 to allow married couples to apply the student loan interest deduction limitation separately to each spouse, and for other purposes.

Introduced May 8, 2025

Latest action (May 8, 2025) Referred to the House Committee on Ways and Means.

Referred to
Ways and Means Committee
Policy area
Taxation
Issues
Education

Summary
  • Allows married couples filing jointly to each claim the $2,500 student loan interest deduction limit separately instead of as a combined limit.
  • Permits married couples to potentially deduct up to $5,000 in combined student loan interest deductions instead of the current $2,500 total.
  • Clarifies that no deduction shall be allowed for any amount for which a deduction is allowable under another provision of the Internal Revenue Code.
  • Makes the changes effective for taxable years beginning after December 31, 2024.

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)
16 cosponsors

Money behind the sponsor

Top reported contributors to Glenn Grothman’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.

  • EDWARD C LEVY CO $9,900
  • NORTHWESTERN MUTUAL $7,600
  • SARGENTO $6,700
  • CONTINENTAL PROPERTIES COMPANY INC. $6,600
  • ABC SUPPLY $6,600

Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for Glenn Grothman → · Outside spending →

Actions (2)
  1. May 8, 2025 Referred to the House Committee on Ways and Means. · house
  2. May 8, 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.

  • S 4119 — Student Loan Marriage Penalty Elimination Act of 2026 · Introduced Mar 17, 2026 · Cong. 119 85%
  • HR 9626 — To amend the Internal Revenue Code of 1986 to eliminate the State and local tax deduction marriage penalty. · Introduced Jul 9, 2026 · Cong. 119 77%
  • HR 3165 — Student Loan Tax Elimination Act · Introduced May 1, 2025 · Cong. 119 71%
  • HR 232 — SALT Fairness and Marriage Penalty Elimination Act · Introduced Jan 7, 2025 · Cong. 119 70%
  • S 2717 — Student Loan Deduction Act of 2025 · Introduced Sep 4, 2025 · Cong. 119 70%
  • HR 7536 — GRADUATE Act · Introduced Feb 12, 2026 · Cong. 119 70%

Text versions (1)
  • Introduced in House · May 8, 2025

Only one text version is on file, so there’s no earlier version to compare against yet.

Full text

IN THE HOUSE OF REPRESENTATIVES

May 8, 2025

Mr. Grothman (for himself, Mrs. Miller of Illinois, Ms. DelBene, Mr. Davis of Illinois, Mr. Clyde, Mr. Larson of Connecticut, Mr. McCormick, Mr. Mullin, Mr. Rouzer, and Mr. Rulli) introduced the following bill; which was referred to the Committee on Ways and Means

A BILL

To amend the Internal Revenue Code of 1986 to allow married couples to apply the student loan interest deduction limitation separately to each spouse, and for other purposes.

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 Marriage Penalty Elimination Act of 2025”.

SEC. 2. STUDENT LOAN INTEREST DEDUCTION LIMITATION APPLIED SEPARATELY TO EACH SPOUSE.

(a) In General.—Section 221(b)(1) of the Internal Revenue Code of 1986 is amended to read as follows:

“(1) In general.—The interest taken into account with respect to a taxpayer for a taxable year under subsection (a) for indebtedness incurred by an individual shall not exceed $2,500.”.

(b) Conforming Amendments.—Section 221 of such Code is amended—

(1) in subsection (b), by striking the heading and inserting “Dollar Limitations”, and

(2) by amending subsection (e) to read as follows:

“(e) Denial of Double Benefit.—No deduction shall be allowed under this section for any amount for which a deduction is allowable under any other provision of this chapter.”.

(c) Effective Date.—The amendments made by this section shall apply to taxable years beginning after December 31, 2024. <all>

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