S. 2764

Summary

S. 2764, the STUDENT Act, was introduced in the Senate on Sep 10, 2025 by Sen. Joni Ernst (R) with 7 co-sponsors. It was referred to Health, Education, Labor, And Pensions, and last saw action on Sep 10, 2025: Read twice and referred to the Committee on Health, Education, Labor, and Pensions.

Record

Text

S. 2764 has 7 co-sponsors.

119 S2764 IS: Student Transparency for Understanding Decisions in Education Net Terms Act
 U.S. Senate
 2025-09-10
 text/xml
 EN
 Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
 II  119th CONGRESS  1st Session  S. 2764  IN THE SENATE OF THE UNITED STATES   September 10, 2025   Ms. Ernst  (for herself,  Ms. Klobuchar ,  Mr. Kaine ,  Mrs. Moody ,  Mr. Grassley , and  Ms. Hassan ) introduced the following bill; which was read twice and referred to the  Committee on Health, Education, Labor, and Pensions    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.
1.
Short title
This Act may be cited as the   Student Transparency for Understanding Decisions in Education Net Terms Act   or the   STUDENT Act  .
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.
 .

Tracker

The tracker indicates the progress of this legislation as it moves through the legislative process.

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.

Sponsors

Sen. Joni Ernst (R) sponsors S. 2764, and 7 members have co-sponsored it, 5 of them from the day it was introduced.

Joni Ernst

Sen. · R–IA · Sponsor

Introduced Sep 10, 2025

Chuck Grassley

Sen. · R–IA · Co-sponsor

Joined Sep 10, 2025 · Original

Margaret Hassan

Sen. · D–NH · Co-sponsor

Joined Sep 10, 2025 · Original

Tim Kaine

Sen. · D–VA · Co-sponsor

Joined Sep 10, 2025 · Original

Amy Klobuchar

Sen. · D–MN · Co-sponsor

Joined Sep 10, 2025 · Original

Ashley Moody

Sen. · R–FL · Co-sponsor

Joined Sep 10, 2025 · Original

Eric Schmitt

Sen. · R–MO · Co-sponsor

Joined Sep 16, 2025

Pete Ricketts

Sen. · R–NE · Co-sponsor

Joined Sep 30, 2025

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Committees

S. 2764 went before 1 committee: Health, Education, Labor, and Pensions.

Health, Education, Labor, and Pensions

Health, Education, Labor, and Pensions

Referred To · Sep 10, 2025 · 747 Bills

Actions

S. 2764 has taken 2 actions since Sep 10, 2025.

Votes

S. 2764 has not gone to a roll call.

Related bills

1 bill is related to S. 2764, as Identical bill.

HR 6134STUDENT ActNov 19, 2025 · Referred to the House Committee on Education and Workforce. · Identical bill

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Titles

S. 2764 goes by 4 titles, 2 of them short titles.

• STUDENT Act — Display Title
• STUDENT Act — Short Title(s) as Introduced
• Student Transparency for Understanding Decisions in Education Net Terms Act — Short Title(s) as Introduced
• 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. — Official Title as Introduced

Lobbying

5 clients hired 5 firms and 26 registered lobbyists who named S. 2764 in 14 quarterly filings, 2025 to 2026. Reported under the Lobbying Disclosure Act; a filing’s income covers everything its registrant worked that quarter, so the amounts below are the filings’, not this bill’s.

Filed under Health Issues, Budget/Appropriations, Copyright/Patent/Trademark, Medicare/Medicaid, Taxation/Internal Revenue Code, Trade (domestic/foreign), Homeland Security, Labor Issues/Antitrust/Workplace.

Clients

Who paid to be heard, by how many filings named the bill.

Firms

Registrants who filed on the bill, by filings.

Lobbyists

Named on the filings that cite the bill. The 20 named most often, of 26.

Filings

The documents themselves, on the Senate’s Lobbying Disclosure site, largest reported first.

Classification

The Congressional Research Service files S. 2764 under Education, one of its 31 policy areas.

CRS Subjects

CRS assigns every bill one policy area from its 31; S. 2764’s is Education.

Source: congress.gov · legiscan.com