119 HR 6134 IH: Student Transparency for Understanding Decisions in Education Net Terms Act U.S. House of Representatives 2025-11-19 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.

I119th CONGRESS1st SessionH. R. 6134IN THE HOUSE OF REPRESENTATIVESNovember 19, 2025Mr. Feenstra (for himself, Mrs. Hinson, and Mr. Nunn of Iowa) introduced the following bill; which was referred to the Committee on Education and WorkforceA BILLTo require disclosure of the total amount of interest that would be paid over the life of a loan for certain Federal student loans.

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Short title

This Act may be cited as the Student Transparency for Understanding Decisions in Education Net Terms Act or the STUDENT Act.

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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..