# 119-s-3253: Servicemember Student Loan Affordability Act of 2025

119-s-3253, Servicemember Student Loan Affordability Act of 2025, is a 119th Congress bill sponsored by Sen. Durbin, Richard J. [D-IL] (D-IL); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-s-3253
- 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-3253
- Congress: 119
- Title: Servicemember Student Loan Affordability Act of 2025
- Status: introduced
- Introduced: 2025-11-20
- Sponsor: Sen. Durbin, Richard J. [D-IL] (D-IL)
- Cosponsors: 5
- Policy area: Armed Forces and National Security
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Creates a 6 percent interest cap for servicemembers who consolidate or refinance pre-service student loans while on active duty.** It preserves the current 6 percent framework for other SCRA protections and adds a clear definition of which loans count as student loans. - Servicemembers and spouses: Debt taken during service to consolidate or refinance pre-service student loans would carry interest no higher than 6 percent during the period of service. The cap becomes effective on the date the servicemember incurs the consolidation or refinancing. - Borrowers with pre-service student loans: The bill defines "student loan" to include federal Title IV loans and private education loans as defined in section 140(a) of the Truth in Lending Act, clarifying which balances qualify for the cap. - Lenders and loan servicers: The 6 percent limit applies specifically to consolidations and refinancings made during service, so its scope is limited to those transactions.

## Cosponsors (5)

- Sen. Duckworth, Tammy [D-IL] (D-IL), 2025-11-20T00:00:00.000Z
- Sen. Gillibrand, Kirsten E. [D-NY] (D-NY), 2025-11-20T00:00:00.000Z
- Sen. Schiff, Adam B. [D-CA] (D-CA), 2025-12-01T00:00:00.000Z
- Sen. Booker, Cory A. [D-NJ] (D-NJ), 2025-12-01T00:00:00.000Z
- Sen. Luján, Ben Ray [D-NM] (D-NM), 2025-12-11T00:00:00.000Z

## Provisions PRIA read

- 6% cap on military student refinances: benefit, medium. If enacted, the bill would cap interest at 6% per year for certain consolidations or refinances. You would be covered if the refinance or consolidation is taken during your military service. It would only apply to student loans you incurred before service. Covered loans include Title IV federal loa…

## Related bills

- 119-s-5066: Health Equity and Accountability Act of 2026
- 119-s-3990: PrEP Access and Coverage Act of 2026
- 119-s-2823: FAMILY Act
- 119-s-51: Washington, D.C. Admission Act
- 119-s-5108: Right to IVF Act of 2026
- 119-s-3396: Domestic Workers Bill of Rights Act

## Sources
- [119-s-3253 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/3253)

## Related
- [119-s-5066: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-s-5066)
- [119-s-3990: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-s-3990)
- [119-s-2823: FAMILY Act](https://policyrisk.com/legislation/119-s-2823)
- [119-s-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-s-51)
- [119-s-5108: Right to IVF Act of 2026](https://policyrisk.com/legislation/119-s-5108)
- [119-s-3396: Domestic Workers Bill of Rights Act](https://policyrisk.com/legislation/119-s-3396)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-3253 (as of 2026-04-21).