# 119-hr-9111: Stopping Abusive Student Loan Collection Practices in Bankruptcy Act of 2026

119-hr-9111, Stopping Abusive Student Loan Collection Practices in Bankruptcy Act of 2026, is a 119th Congress bill sponsored by Rep. Thanedar, Shri [D-MI-13] (D-MI); status introduced; PRIA reads it as touching household money (as of 2026-07-25).

- Canonical: https://policyrisk.com/legislation/119-hr-9111
- As of: 2026-07-25
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-9111
- Congress: 119
- Title: Stopping Abusive Student Loan Collection Practices in Bankruptcy Act of 2026
- Status: introduced
- Introduced: 2026-06-02
- Sponsor: Rep. Thanedar, Shri [D-MI-13] (D-MI)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-07-25

## Summary

**Creates a clearer path for borrowers to get student loans discharged in bankruptcy.** This bill would let debtors ask a court to decide whether their student loan debt meets the legal "undue hardship" test by using the procedural route in 11 U.S.C. § 523(d). It aims to limit abusive or overly aggressive student loan collection tactics during bankruptcy proceedings. - Families and borrowers: Makes it easier for people in bankruptcy to seek discharge of student loans by allowing a debtor-initiated undue hardship determination. This could give struggling borrowers a clearer legal route to relief. - Loan holders and collectors: Narrows some collection leverage in bankruptcy by shifting the procedural path for dischargeability claims. Creditors may face more debtor-initiated challenges to student loan claims. - Courts and cases: Changes the procedural basis courts use to resolve student loan discharge claims and applies only to bankruptcy cases commenced under Title 11 on or after enactment.

## Provisions PRIA read

- More bankruptcy relief for student borrowers: benefit, high. If enacted, you would be able to ask a bankruptcy court to decide that repaying your student loan would be an undue hardship. The bill would amend the bankruptcy code to let a debtor start that undue-hardship discharge process under § 523(a)(8). It would apply only to Title 11 bankruptcy cases star…

## Related bills

- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-6900: American Affordability Act of 2025
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-7973: Momnibus Act
- 119-hr-2945: Housing for All Act of 2025

## Sources
- [119-hr-9111 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/9111)

## Related
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-6900: American Affordability Act of 2025](https://policyrisk.com/legislation/119-hr-6900)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-2945: Housing for All Act of 2025](https://policyrisk.com/legislation/119-hr-2945)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-9111 (as of 2026-07-25).