Student loan servicers must now show borrowers the total interest they'll pay
H.R. 6134 — STUDENT Act · Filed by Randy Feenstra (R-IA) · 2 cosponsors · Introduced Nov 19, 2025 · Referred to committee
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What it does
This bill requires federal student loan servicers to disclose to borrowers the total amount of interest they will pay over the life of their loan under the standard repayment plan. Currently, borrowers receive disclosure of interest rates and monthly payments, but not the cumulative interest cost. The bill adds this single piece of information to existing disclosure documents so borrowers can see the full financial picture before committing to repayment.
Why we flagged it
The bill's sole operative mechanism is a mandatory disclosure—it requires student loan servicers to add one data point (total lifetime interest) to existing borrower notices. This is a transparency measure, not a rate cap, subsidy, or structural reform.
What the text implies
- Disclosure may prompt some borrowers to accelerate repayment or seek alternative repayment plans, potentially reducing servicer revenue from interest over time.
- The bill specifies 'standard repayment plan' as the baseline for the calculation, which may not reflect the plan the borrower actually selects—borrowers on income-driven plans will see a higher interest total than they will actually pay, potentially causing confusion.
- Servicers will need to update disclosure systems and templates, creating one-time compliance costs that may be passed to borrowers or absorbed by servicers.
Section numbers refer to the bill text the analysis read — linked under Primary records below.
Who it affects
Borrowers gain material information needed to understand the true cost of their loans and make informed repayment choices. The disclosure requirement imposes no new cost on borrowers and no restriction on their rights—it only mandates that servicers provide information already calculable from existing loan terms.
Named in the bill
U.S. Department of Education, Federal student loan servicers, Higher Education Act of 1965, 20 U.S.C. § 455(p), 20 U.S.C. § 433(a)
Where it stands
2 cosponsors: 2 Republicans.
- Nov 19, 2025 — Introduced · Congress.gov: “Introduced in House”
- Nov 19, 2025 — Referred to House Committee on Education and Workforce · Congress.gov: “Referred to the House Committee on Education and Workforce”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (682 characters) on Aug 24, 2026. Section numbers in the findings refer to that text, linked below; transparency and hidden-provision scores are compared against the median of 16,222 analysed bills.
Status and sponsors — Congress.gov's bill record — actions, committee referrals and cosponsors — loaded nightly. The timeline shows status changes, not every procedural action.
As of — page rendered 2026-10-20.
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