United States 119th Congress Status: In Committee 6 D cosponsors

S 3253 — Servicemember Student Loan Affordability Act of 2025

Last action — Read twice and referred to the Committee on Veterans' Affairs. (text: CR S8278)

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  1. ✓
    Introduced
  2. 2
    In Committee
  3. 3
    Passed Senate
  4. 4
    Passed House
  5. 5
    To Executive
  6. 6
    Enacted

This bill is in committee in the Senate. Introduced November 20, 2025. It must pass committee before a floor vote.

Next likely step: a committee vote, then a floor vote in the Senate.

Prognosis

Stalled 26% · moderate confidence

Where this bill stands today.

Odds of enactment

Low

How often bills like it became law.

  • In Committee

    Current position in the legislative process.

  • 6 sponsors

    1 primary, 5 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (6 D).

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

Bill Text

How this bill changes current law

7 changes Share ↗

Compared against current U.S. Code AI-generated reading aid — verify against the official bill.

The bill extends the interest rate limitation for debts incurred during military service to include debts for consolidating or refinancing student loans incurred before military service.

  • 50 U.S.C. 3937

    on debt incurred before service

    This addition clarifies that the interest rate limitation applies to debt incurred before military service.

  • 50 U.S.C. 3937

    Limitation to 6 percent → Limitation to 6 percent on debt incurred during military service to consolidate or refinance student loans incurred before military service.

    This addition establishes a new limitation on interest rates for debts incurred during military service for consolidating or refinancing existing student loans.

  • 50 U.S.C. 3937

    2) Forgiveness of interest in excess of 6 percent → 3) Limitation to 6 percent on debt incurred during military service to consolidate or refinance student loans incurred before military service.

    This change renumbers the sections, reflecting the new addition of the student loan refinancing provision.

  • 50 U.S.C. 3937

    the interest rate limitation in subsection (a) → an interest rate limitation in paragraph (1) or (2) of subsection (a)

    This change clarifies that the limitation can apply to either of the new provisions regarding interest rates.

  • 50 U.S.C. 3937

    effective as of date of order to active duty → effective date

    This change updates the language regarding when the interest rate limitation goes into effect.

  • 50 U.S.C. 3937

    the interest rate limitation in subsection (a) → interest rate limitation in paragraph (1) or (2) of subsection (a)

    This change clarifies application of interest rate limitations for consolidating and refinancing debts.

  • 50 U.S.C. 3937

    Student loan.--The term 'student loan' means--(A) a Federal student loan made, insured, or guaranteed under title IV of the Higher Education Act of 1965 (20 U.S.C. 1070 et seq.); or (B) a private education loan as that term is defined in section 140(a) of the Truth in Lending Act (15 U.S.C. 1650(a)).

    This new definition establishes what constitutes a student loan within the context of the Act.

Action History

  1. Introduced in Senate

  2. Read twice and referred to the Committee on Veterans' Affairs. (text: CR S8278)

Sponsors

Sponsorship breakdown

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1 sponsors · 5 co-sponsors · 541 not signed on

Sponsors (1)

Co-sponsors (5)

Not signed on (541)

541 members have not signed on to this bill.

Show all 541 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

finance veterans education
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

Who sponsors S 3253?
S 3253 is sponsored by Durbin, Richard J. (Democratic), Duckworth, Tammy (Democratic), Gillibrand, Kirsten E. (Democratic), Schiff, Adam B. (Democratic), Booker, Cory A. (Democratic), and Luján, Ben Ray (Democratic).
What is the current status of S 3253?
This bill is in committee in the Senate. Introduced November 20, 2025. It must pass committee before a floor vote.
Where can I track S 3253?
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