# 119-hr-10097: Earn to Learn Act

119-hr-10097, Earn to Learn Act, is a 119th Congress bill sponsored by Rep. Lee, Susie [D-NV-3] (D-NV); status introduced; PRIA reads it as touching household money (as of 2026-10-02).

- Canonical: https://policyrisk.com/legislation/119-hr-10097
- As of: 2026-10-02
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-10097
- Congress: 119
- Title: Earn to Learn Act
- Status: introduced
- Introduced: 2026-08-13
- Sponsor: Rep. Lee, Susie [D-NV-3] (D-NV)
- Cosponsors: 3
- Policy area: Education
- Touches household money: yes
- Last recorded action: 2026-10-02

## Summary

**Would create a government‑matched savings program for low‑income students.** It would pair student deposits with matching funds, deliver financial capability training and success coaching, and aim to boost college enrollment and completion while cutting reliance on student loans. - Students and families: Participating students must deposit to trigger matches. After a $100 deposit, each additional dollar would receive an $8 match, and students keep withdrawal rights and face an 8‑year participation limit tied to enrollment. - States, nonprofits, and colleges: Grants would go to states or nonprofits that provide a 1:1 non‑Federal match and support students through graduation. Grants may not exceed the lesser of committed non‑Federal match or $10 million per grantee and must limit management costs to 5%. - Program design and accountability: The Secretary would provide a reporting dashboard, training platform, and coaching model. Grantees must report annually on participation, retention, completion, and borrowing, and the Secretary must evaluate effects and report to Congress. *Would authorize $100 million per year for fiscal 2027 and each of the four succeeding years, totaling $500 million in authorizations.*

## Cosponsors (3)

- Rep. Ciscomani, Juan [R-AZ-6] (R-AZ), 2026-08-13T00:00:00.000Z
- Rep. Stanton, Greg [D-AZ-4] (D-AZ), 2026-08-13T00:00:00.000Z
- Rep. Valadao, David G. [R-CA-22] (R-CA), 2026-08-13T00:00:00.000Z

## Provisions PRIA read

- Federal grants for student savings programs: benefit, medium. If enacted, the Department of Education would set up a competitive demonstration grant program to fund match savings accounts and coaching. The program would be authorized at $100 million for fiscal year 2027 and for each of the next four years. Grants would be awarded within nine months to States…
- More savings help for low-income students: mixed, high. If enacted, low‑income students selected for the program would open matched postsecondary savings accounts. Once you or your family deposits $100 in an academic year, the program would match $8 for each dollar you deposit after that initial $100. Funds you deposit and the matching funds would not c…

## Related bills

- 119-hr-7977: Energy Bills Relief Act
- 119-hr-4206: CONNECT for Health Act of 2025
- 119-hr-4393: DIGNIDAD (Dignity) Act of 2025
- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act
- 119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage Act
- 119-hr-4583: Living Donor Protection Act of 2025

## Sources
- [119-hr-10097 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/10097)

## Related
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-4206: CONNECT for Health Act of 2025](https://policyrisk.com/legislation/119-hr-4206)
- [119-hr-4393: DIGNIDAD (Dignity) Act of 2025](https://policyrisk.com/legislation/119-hr-4393)
- [119-hr-1262: Mikaela Naylon Give Kids a Chance Act](https://policyrisk.com/legislation/119-hr-1262)
- [119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage A…](https://policyrisk.com/legislation/119-hr-842)
- [119-hr-4583: Living Donor Protection Act of 2025](https://policyrisk.com/legislation/119-hr-4583)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-10097 (as of 2026-10-02).