# 119-hr-4444: Student Loan Bankruptcy Improvement Act of 2025

119-hr-4444, Student Loan Bankruptcy Improvement Act of 2025, is a 119th Congress bill sponsored by Rep. Correa, J. Luis [D-CA-46] (D-CA); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-4444
- 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-4444
- Congress: 119
- Title: Student Loan Bankruptcy Improvement Act of 2025
- Status: introduced
- Introduced: 2025-07-16
- Sponsor: Rep. Correa, J. Luis [D-CA-46] (D-CA)
- Cosponsors: 24
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Easier bankruptcy discharge for federal student loans.** This bill would loosen the "undue hardship" test so bankruptcy courts can use more flexible, reasonable criteria to discharge student loan debt. - Borrowers and families: Makes discharge more attainable for people behind on payments. About 6 million borrowers are 90+ days delinquent and as many as 10 million could enter default soon. - Credit and finances: Aims to stop further credit damage for millions whose scores fall because of loan troubles. Current discharge attempts succeed at under 0.1 percent, so the change targets a very low success rate. - Courts and creditors: Gives judges room to apply fairer standards while preserving means testing, disclosure, and exemption limits to protect creditors and guard against abuse.

## Cosponsors (24)

- Rep. Adams, Alma S. [D-NC-12] (D-NC), 2025-07-16T00:00:00.000Z
- Rep. Balint, Becca [D-VT-At Large] (D-VT), 2025-07-16T00:00:00.000Z
- Rep. Carter, Troy A. [D-LA-2] (D-LA), 2025-07-16T00:00:00.000Z
- Rep. Fields, Cleo [D-LA-6] (D-LA), 2025-07-16T00:00:00.000Z
- Rep. Jayapal, Pramila [D-WA-7] (D-WA), 2025-07-16T00:00:00.000Z
- Rep. Johnson, Henry C. "Hank" [D-GA-4] (D-GA), 2025-07-16T00:00:00.000Z
- Rep. Lee, Summer L. [D-PA-12] (D-PA), 2025-07-16T00:00:00.000Z
- Rep. Lofgren, Zoe [D-CA-18] (D-CA), 2025-07-16T00:00:00.000Z
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2025-07-16T00:00:00.000Z
- Rep. Ross, Deborah K. [D-NC-2] (D-NC), 2025-07-16T00:00:00.000Z
- Rep. Swalwell, Eric [D-CA-14] (D-CA), 2025-07-16T00:00:00.000Z
- Rep. Tlaib, Rashida [D-MI-12] (D-MI), 2025-07-16T00:00:00.000Z
- Rep. Thanedar, Shri [D-MI-13] (D-MI), 2025-07-16T00:00:00.000Z
- Rep. Tonko, Paul [D-NY-20] (D-NY), 2025-07-16T00:00:00.000Z
- Rep. Velázquez, Nydia M. [D-NY-7] (D-NY), 2025-07-16T00:00:00.000Z
- Rep. Clarke, Yvette D. [D-NY-9] (D-NY), 2025-07-21T00:00:00.000Z
- Rep. García, Jesús G. "Chuy" [D-IL-4] (D-IL), 2025-08-08T00:00:00.000Z
- Rep. Krishnamoorthi, Raja [D-IL-8] (D-IL), 2025-08-15T00:00:00.000Z
- Rep. Thompson, Bennie G. [D-MS-2] (D-MS), 2025-08-19T00:00:00.000Z
- Rep. Carson, André [D-IN-7] (D-IN), 2025-09-03T00:00:00.000Z
- Rep. Sánchez, Linda T. [D-CA-38] (D-CA), 2025-10-08T00:00:00.000Z
- Rep. Courtney, Joe [D-CT-2] (D-CT), 2025-12-23T00:00:00.000Z
- Rep. Evans, Dwight [D-PA-3] (D-PA), 2026-01-16T00:00:00.000Z
- Rep. Bonamici, Suzanne [D-OR-1] (D-OR), 2026-02-04T00:00:00.000Z

## Provisions PRIA read

- Easier bankruptcy relief for student loans: benefit, high. If enacted, this bill would lower the legal test to wipe out student loan debt in bankruptcy. It would change the rule from "undue hardship" to "hardship." Courts could discharge qualifying loans more often, but discharge would still not be automatic. The change would apply to bankruptcy cases star…

## Related bills

- 119-hr-7973: Momnibus Act
- 119-hr-51: Washington, D.C. Admission Act
- 119-hr-15: Equality Act
- 119-hr-1589: American Dream and Promise Act of 2025
- 119-hr-12: Women’s Health Protection Act of 2025
- 119-hr-2763: American Family Act

## Sources
- [119-hr-4444 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/4444)

## Related
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-hr-51)
- [119-hr-15: Equality Act](https://policyrisk.com/legislation/119-hr-15)
- [119-hr-1589: American Dream and Promise Act of 2025](https://policyrisk.com/legislation/119-hr-1589)
- [119-hr-12: Women’s Health Protection Act of 2025](https://policyrisk.com/legislation/119-hr-12)
- [119-hr-2763: American Family Act](https://policyrisk.com/legislation/119-hr-2763)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-4444 (as of 2026-04-21).