Bill · H.R. 6224· House(119-HR-6224)
Servicemember Student Loan Affordability Act of 2025
- Introduced
- 11/20/2025
- Last activity
- 12/18/2025 — Referred to the Subcommittee on Economic Opportunity.
- Sponsored by
- Delia Ramirez
- Cosponsors
- - 10 - 0
- Introduced
- In Committee
What this bill would do
This bill, known as the "Servicemember Student Loan Affordability Act of 2025," aims to amend the Servicemembers Civil Relief Act. It seeks to extend the 6 percent interest rate cap to specific types of debt. This cap would apply to debt incurred during military service that is used to consolidate or refinance student loans taken out before the individual's military service. The bill provides specific definitions for what constitutes a student loan to ensure the rule is applied correctly.
Yes· 3 of 7
Would students be better off under this?+5
The bill specifically addresses the financial burden of student loans by capping interest rates during military service.
Does this reduce what student borrowers owe or repay?+5
The bill provides direct relief by capping interest rates at 6 percent for student loans consolidated during military service.
Would people in their twenties and thirties be better off under this?+4
Young adults in military service often carry student debt and will benefit from the interest rate cap.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
-
Interest Rate Protection: Servicemembers or a servicemember and their spouse jointly can benefit from a cap on interest rates for debt used to consolidate or refinance student loans incurred before their service. This limitation ensures that such debt cannot bear interest at a rate higher than 6 percent during military service (Section 2(a)(1)).
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Expanded Coverage: The law would apply to both Federal student loans made or guaranteed under the Higher Education Act of 1965 and private education loans as defined by the Truth in Lending Act (Section 2(c)).
Potential Negative Impacts for People
- Limited Scope of Application: The interest rate limitation is strictly limited to the consolidation or refinancing of student loans and does not apply to the consolidation or refinancing of any other type of obligation or liability (Section 2(a)(2)(B)).
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Students+5Good For Veterans+4Good For Young Adults+4Good For Low Income Households+3
- Education And Technology
- Improves Student Loan Relief+5
- National Security And Foreign Policy
- Improves Veterans Benefits+4
- Social Issues And Justice
- Improves Poverty Reduction+3
- 1/7/2026
- 1 Cosponsor added.
- 12/18/2025
- Referred to the Subcommittee on Economic Opportunity.
- 11/20/2025
- Referred to the House Committee on Veterans' Affairs.
- 9 Cosponsors added.
- Introduced in House
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Suzanne BonamiciDemocrat · Oregon
André CarsonDemocrat · Indiana
Danny DavisDemocrat · Illinois
Jesús GarcíaDemocrat · Illinois
Steven HorsfordDemocrat · Nevada
Mike LevinDemocrat · California
Jennifer McClellanDemocrat · Virginia
Eleanor NortonDemocrat · District of Columbia
Andrea SalinasDemocrat · Oregon
Rashida TlaibDemocrat · Michigan