# 119-hr-3165: Student Loan Tax Elimination Act

119-hr-3165, Student Loan Tax Elimination Act, is a 119th Congress bill sponsored by Rep. Smucker, Lloyd [R-PA-11] (R-PA); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-3165
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-3165
- Congress: 119
- Title: Student Loan Tax Elimination Act
- Status: introduced
- Introduced: 2025-05-01
- Sponsor: Rep. Smucker, Lloyd [R-PA-11] (R-PA)
- Cosponsors: 4
- Policy area: Education
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

This bill would **eliminate origination fees on Federal Direct student loans**, cutting the upfront cost for people taking or consolidating federal loans. The repeal would apply to loans with first principal disbursements, and to Federal Direct Consolidation Loan applications received, on or after the July 1 following the bill becoming law.

## Cosponsors (4)

- Rep. Davids, Sharice [D-KS-3] (D-KS), 2025-05-01T00:00:00.000Z
- Rep. Davis, Donald G. [D-NC-1] (D-NC), 2025-05-15T00:00:00.000Z
- Rep. Vindman, Eugene Simon [D-VA-7] (D-VA), 2025-10-14T00:00:00.000Z
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2026-02-11T00:00:00.000Z

## Provisions PRIA read

- Would end origination fees on federal loans: benefit, medium. This bill would stop origination fees on Federal Direct student loans. The change would apply to loans first disbursed on or after July 1 following enactment. For Federal Direct Consolidation Loans, it would apply to applications received on or after that date. If passed, borrowers would pay less u…

## Related bills

- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-8870: BUILD America 250 Act
- 119-hr-4669: FEMA Act of 2025
- 119-hr-3151: SHIPS for America 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

## Sources
- [119-hr-3165 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/3165)

## Related
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-8870: BUILD America 250 Act](https://policyrisk.com/legislation/119-hr-8870)
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [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)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-3165 (as of 2026-04-21).