# 119-hr-4555: Student Loan Contract Act of 2025

119-hr-4555, Student Loan Contract Act of 2025, is a 119th Congress bill sponsored by Rep. Underwood, Lauren [D-IL-14] (D-IL); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-4555
- 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-4555
- Congress: 119
- Title: Student Loan Contract Act of 2025
- Status: introduced
- Introduced: 2025-07-21
- Sponsor: Rep. Underwood, Lauren [D-IL-14] (D-IL)
- Cosponsors: 6
- Policy area: Education
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Renames the federal master promissory note for Title IV Part D loans to a “student loan contract”.** The bill would require that any master promissory note used for Part D loans be called a student loan contract for periods of enrollment beginning on or after enactment. It would also limit a student loan contract to loans within the same award year as the initial loans it covers and add a conforming wording change in the Higher Education Act.

## Cosponsors (6)

- Rep. Adams, Alma S. [D-NC-12] (D-NC), 2025-07-21T00:00:00.000Z
- Rep. Davis, Donald G. [D-NC-1] (D-NC), 2025-07-21T00:00:00.000Z
- Rep. Jackson, Jonathan L. [D-IL-1] (D-IL), 2025-07-21T00:00:00.000Z
- Rep. Davis, Danny K. [D-IL-7] (D-IL), 2025-07-21T00:00:00.000Z
- Rep. Thanedar, Shri [D-MI-13] (D-MI), 2025-07-21T00:00:00.000Z
- Rep. Levin, Mike [D-CA-49] (D-CA), 2025-07-25T00:00:00.000Z

## Provisions PRIA read

- New rules for federal student loan contracts: mixed, low. This bill would rename the master promissory note for federal Direct Loans as a “student loan contract.” The new name would apply to periods of enrollment that start on or after the date of enactment. A contract would only cover loans for the same award year as the first loans that used it. For a l…

## Related bills

- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-7973: Momnibus Act
- 119-hr-20: Richard L. Trumka Protecting the Right to Organize Act of 2025
- 119-hr-2086: Rights for the TSA Workforce Act
- 119-hr-2763: American Family Act
- 119-hr-17: Paycheck Fairness Act

## Sources
- [119-hr-4555 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/4555)

## Related
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-20: Richard L. Trumka Protecting the Right to Organize Act of 2025](https://policyrisk.com/legislation/119-hr-20)
- [119-hr-2086: Rights for the TSA Workforce Act](https://policyrisk.com/legislation/119-hr-2086)
- [119-hr-2763: American Family Act](https://policyrisk.com/legislation/119-hr-2763)
- [119-hr-17: Paycheck Fairness Act](https://policyrisk.com/legislation/119-hr-17)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-4555 (as of 2026-04-21).