# 119-s-2764: STUDENT Act

119-s-2764, STUDENT Act, is a 119th Congress bill sponsored by Sen. Ernst, Joni [R-IA] (R-IA); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-s-2764
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-2764
- Congress: 119
- Title: STUDENT Act
- Status: introduced
- Introduced: 2025-09-10
- Sponsor: Sen. Ernst, Joni [R-IA] (R-IA)
- Cosponsors: 7
- Policy area: Education
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Would require federal student loan disclosures to show a borrower's total lifetime interest cost.** The bill would add a mandatory lifetime-interest figure to the existing loan disclosure under the Higher Education Act. That interest amount must be calculated using the standard repayment plan that applies to the borrower's total outstanding principal across all federal loans. This change focuses only on the information lenders must give borrowers and does not change repayment options or program rules.

## Cosponsors (7)

- Sen. Klobuchar, Amy [D-MN] (D-MN), 2025-09-10T00:00:00.000Z
- Sen. Kaine, Tim [D-VA] (D-VA), 2025-09-10T00:00:00.000Z
- Sen. Moody, Ashley [R-FL] (R-FL), 2025-09-10T00:00:00.000Z
- Sen. Grassley, Chuck [R-IA] (R-IA), 2025-09-10T00:00:00.000Z
- Sen. Hassan, Margaret Wood [D-NH] (D-NH), 2025-09-10T00:00:00.000Z
- Sen. Schmitt, Eric [R-MO] (R-MO), 2025-09-16T00:00:00.000Z
- Sen. Ricketts, Pete [R-NE] (R-NE), 2025-09-30T00:00:00.000Z

## Provisions PRIA read

- Lifetime interest disclosure for borrowers: benefit, low. This bill would require federal loan disclosures to show the total interest you would pay over the life of your loans. The calculation would use the standard repayment plan based on your total outstanding federal loan principal. If enacted, this figure would appear in the section 433(a) disclosure…

## Related bills

- 119-sres-913: A resolution relating to the death of the Honorable Nancy Kassebaum, former United States Senator for the State of Kansas.
- 119-sres-897: A resolution honoring the life, service, and legacy of the Honorable Jon Llewellyn Kyl, former Senator for the State of Arizona.
- 119-sres-801: A resolution honoring the life and legacy of the Honorable Lindsey Olin Graham, a Senator from the State of South Carolina.
- 119-sres-755: A resolution honoring the life of the Honorable Donald W. Riegle, Jr., former Senator for the State of Michigan.
- 119-sres-739: A resolution honoring the life and legacy of John Seymour, the late Senator for the State of California.
- 119-sres-735: A resolution designating the week of May 10 through May 16, 2026, as "National Police Week".

## Sources
- [119-s-2764 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/2764)

## Related
- [119-sres-913: A resolution relating to the death of the Honorable Nancy Kassebaum, former Uni…](https://policyrisk.com/legislation/119-sres-913)
- [119-sres-897: A resolution honoring the life, service, and legacy of the Honorable Jon Llewel…](https://policyrisk.com/legislation/119-sres-897)
- [119-sres-801: A resolution honoring the life and legacy of the Honorable Lindsey Olin Graham,…](https://policyrisk.com/legislation/119-sres-801)
- [119-sres-755: A resolution honoring the life of the Honorable Donald W. Riegle, Jr., former S…](https://policyrisk.com/legislation/119-sres-755)
- [119-sres-739: A resolution honoring the life and legacy of John Seymour, the late Senator for…](https://policyrisk.com/legislation/119-sres-739)
- [119-sres-735: A resolution designating the week of May 10 through May 16, 2026, as "National…](https://policyrisk.com/legislation/119-sres-735)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-2764 (as of 2026-04-21).