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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.
Summary
This bill amends the tax code to allow married couples to claim the student loan interest deduction separately for each spouse. Under current law, married couples filing jointly are limited to a combined $2,500 deduction for student loan interest. The bill would allow each spouse to claim up to $2,500, potentially allowing couples to deduct up to $5,000 total annually. The change applies to tax 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
- Rep. Carbajal, Salud O. [D-CA-24] (D-CA)
- Rep. Clyde, Andrew S. [R-GA-9] (R-GA)
- Rep. Davis, Danny K. [D-IL-7] (D-IL)
- Rep. DelBene, Suzan K. [D-WA-1] (D-WA)
- Rep. Downing, Troy [R-MT-2] (R-MT)
- Rep. Hageman, Harriet M. [R-WY-At Large] (R-WY)
- Rep. Harder, Josh [D-CA-9] (D-CA)
- Rep. Larson, John B. [D-CT-1] (D-CT)
- Rep. Lawler, Michael [R-NY-17] (R-NY)
- Rep. McCormick, Richard [R-GA-7] (R-GA)
- Rep. Miller, Mary E. [R-IL-15] (R-IL)
- Rep. Mullin, Kevin [D-CA-15] (D-CA)
- Rep. Neguse, Joe [D-CO-2] (D-CO)
- Rep. Rouzer, David [R-NC-7] (R-NC)
- Rep. Rulli, Michael A. [R-OH-6] (R-OH)
- Rep. Vindman, Eugene Simon [D-VA-7] (D-VA)
Actions (2)
- May 8, 2025 Referred to the House Committee on Ways and Means. · house
- 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.
Text versions (1)
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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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