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To require disclosure of the total amount of interest that would be paid over the life of a loan for certain Federal student loans.
Summary
This bill would require disclosure of the total amount of interest borrowers would pay over the life of federal student loans. The interest disclosure would be calculated using the standard repayment plan based on the borrower's total outstanding principal of all loans. The disclosure would be included in the existing disclosure requirements under the Higher Education Act. The bill requires borrowers to be informed of the total interest costs at the time loans are disclosed or when borrowers are making loan decisions.
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)
2 cosponsors
- Rep. Hinson, Ashley [R-IA-2] (R-IA)
- Rep. Nunn, Zachary [R-IA-3] (R-IA)
Money behind the sponsor
Top reported contributors to Randy Feenstra’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.
- NULL $38,384
- MARQUIS MANAGEMENT INC. $21,800
- BGR GROUP $15,800
- DOLL DISTRIBUTING $13,700
- FRONTIER BANK $13,450
Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for Randy Feenstra → · Outside spending →
Actions (2)
- Nov 19, 2025 Referred to the House Committee on Education and Workforce. · house
- Nov 19, 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
November 19, 2025
Mr. Feenstra (for himself, Mrs. Hinson, and Mr. Nunn of Iowa) introduced the following bill; which was referred to the Committee on Education and Workforce
A BILL
To require disclosure of the total amount of interest that would be paid over the life of a loan for certain Federal student 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 Transparency for Understanding Decisions in Education Net Terms Act” or the “STUDENT Act”.
SEC. 2. INTEREST DISCLOSURE.
Section 455(p) of the Higher Education Act of 1965 (20 U.S.C. 1087e(p)) is amended—
(1) by striking “shall, with respect to loans” and inserting the following: “shall—
“(1) with respect to loans”;
(2) by striking “part B.” and inserting “part B; and”; and
(3) by adding at the end the following:
“(2) include in the disclosure required under section 433(a) the total amount of interest that would be paid over the life of the loan, using the standard repayment plan applicable based on the total outstanding principal of all loans of the borrower.”. <all>
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