New Jersey 222nd Legislature Status: Introduced Bipartisan · 1 D · 1 R cosponsors

S 1645 — Requires annual report on New Jersey College Loans to Assist State Students (NJCLASS) Loan Program to include information on borrower delinquency and administrative wage garnishments.

Last action — REP 2RS

  1. 1
    Introduced
  2. 2
    In Committee
  3. 3
    Passed Senate
  4. 4
    Passed General Assembly
  5. 5
    To Executive
  6. 6
    Enacted

This bill has been introduced in the Senate. Introduced January 13, 2026. It must pass committee before a floor vote.

Next likely step: a committee referral and hearing.

Odds of enactment

Low chance

Based on the sponsor, cosponsors, and committee posture, this bill has a low chance of becoming law.

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A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Advancing 46% · moderate confidence

  • Introduced

    Current position in the legislative process.

  • 2 sponsors

    2 primary, 0 co-sponsors signed on.

  • Bipartisan support

    Sponsored across 2 parties (1 D · 1 R) — cross-party backing.

  • Cleared a recorded vote

    Passed 1 recorded vote so far.

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

In plain language

Requires annual report on NJCLASS Loan Program to include borrower delinquency and wage garnishment data.

This bill mandates that the annual report for the NJCLASS Loan Program includes detailed information on borrower delinquency and administrative wage garnishments. It aims to enhance transparency regarding loan status and collection efforts.

Summary

NJCLASS-req report to include info on delinquency & admin wage garnishments

Bill Text

  • Introduced View text Current html December 31, 2025

How this bill changes current law

1 change Share ↗

AI-generated reading aid from the bill's amendatory text — verify against the official bill.

This bill amends 1 section(s) of the New Jersey statutes: N.J.S.A. 18A:71C-21.1.

  • N.J.S.A. 18A:71C-21.1

    and to → , , the total number of NJCLASS loans that reached 90 days of delinquency and the number that reached 90 days of delinquency in the prior year; the number of administrative wage garnishment orders the authority initiated in the prior year against NJCLASS borrowers, the number of administrative wage garnishment orders issued, the number of delinquent loans that did not go into default as a result of collections through administrative wage garnishment, and the total and median amount received by the authority from those administrative wage garnishment orders;

    amended

Action History

  1. REP 2RS

  2. INT 1RS REF SHI

Sponsors

Sponsorship breakdown

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2 sponsors · 0 co-sponsors · 118 not signed on

Sponsors (2)

Co-sponsors (0)

None.

Not signed on (118)

118 members have not signed on to this bill.

Show all 118 →

"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.

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Votes

Subjects

finance education
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Frequently asked questions

What does S 1645 do?
NJCLASS-req report to include info on delinquency & admin wage garnishments
Who sponsors S 1645?
S 1645 is sponsored by Zwicker, Andrew (Democrat) and Polistina, Vincent J. (Republican).
What is the current status of S 1645?
This bill has been introduced in the Senate. Introduced January 13, 2026. It must pass committee before a floor vote.
Where can I track S 1645?
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