---
title: "Student Debt Relief and College Affordability Act"
identifier: "117-S-4459"
congress: 117
bill_number: 4459
bill_type: "S"
version_code: "is"
version_type: "Introduced in Senate"
bill_url: "https://chamberzero.com/congresses/117/bills/s/4459"
source: "https://www.congress.gov/bill/117th-congress/senate-bill/4459"
site: "Chamber Zero"
site_url: "https://chamberzero.com"
rendered_at: "2026-06-04T01:59:51.398Z"
---
## SEC. 1 Short title.

[Read Section 1 →](/congresses/117/bills/s/4459/sections/1-section-one.md)

# TITLE I — Student loan cancellation and forgiveness for Federal Pell Grant recipients

## SEC. 101 Federal student loan cancellation and forgiveness for Federal Pell Grant recipients.

[Read Section 101 →](/congresses/117/bills/s/4459/sections/TI-101.md)

# TITLE II — Increase in maximum Federal Pell Grant

## SEC. 201 Increase in maximum Federal Pell Grants.

[Read Section 201 →](/congresses/117/bills/s/4459/sections/TII-201.md)

# TITLE III — Affordable loans for any student

## SEC. 301 Short title.

[Read Section 301 →](/congresses/117/bills/s/4459/sections/TIII-301.md)

## SEC. 302 References in title.

[Read Section 302 →](/congresses/117/bills/s/4459/sections/TIII-302.md)

## Subtitle A — Simplifying repayment plans

## SEC. 311 Income-based repayment plan.

[Read Section 311 →](/congresses/117/bills/s/4459/sections/TIII-311.md)

## SEC. 312 Fixed repayment plan.

[Read Section 312 →](/congresses/117/bills/s/4459/sections/TIII-312.md)

## SEC. 313 Termination of certain repayment plan options.

[Read Section 313 →](/congresses/117/bills/s/4459/sections/TIII-313.md)

## SEC. 314 Providing incentives to switch into simplified repayment plans.

[Read Section 314 →](/congresses/117/bills/s/4459/sections/TIII-314.md)

## SEC. 315 Study and procedures on determining family size.

[Read Section 315 →](/congresses/117/bills/s/4459/sections/TIII-315.md)

## Subtitle B — Ending interest capitalization and origination fees

## SEC. 321 Ending interest capitalization for Federal Direct Loans.

[Read Section 321 →](/congresses/117/bills/s/4459/sections/TIII-321.md)

## SEC. 322 Elimination of origination fees for Federal Direct Loans.

[Read Section 322 →](/congresses/117/bills/s/4459/sections/TIII-322.md)

## Subtitle C — Providing assistance in situations of borrower distress

## SEC. 331 Limits on seizing income for debt.

[Read Section 331 →](/congresses/117/bills/s/4459/sections/TIII-331.md)

## SEC. 332 Allowing for multiple loan rehabilitations.

[Read Section 332 →](/congresses/117/bills/s/4459/sections/TIII-332.md)

## SEC. 333 Pause payment process.

[Read Section 333 →](/congresses/117/bills/s/4459/sections/TIII-333.md)

## SEC. 334 Automatic enrollment into income-based repayment for borrowers who are delinquent on loans and for borrowers who rehabilitate defaulted loans.

[Read Section 334 →](/congresses/117/bills/s/4459/sections/TIII-334.md)

## SEC. 335 Separating joint consolidation loans.

[Read Section 335 →](/congresses/117/bills/s/4459/sections/TIII-335.md)

## SEC. 336 Removing the collection cost requirement.

[Read Section 336 →](/congresses/117/bills/s/4459/sections/TIII-336.md)

## Subtitle D — Improving loan information and counseling

## SEC. 341 Student loan contract; simplifying loan disclosures.

[Read Section 341 →](/congresses/117/bills/s/4459/sections/TIII-341.md)

## SEC. 342 Pre-loan information and counseling requirements.

[Read Section 342 →](/congresses/117/bills/s/4459/sections/TIII-342.md)

## SEC. 343 Exit counseling.

[Read Section 343 →](/congresses/117/bills/s/4459/sections/TIII-343.md)

## SEC. 344 Online counseling tools.

[Read Section 344 →](/congresses/117/bills/s/4459/sections/TIII-344.md)

## SEC. 345 Private education loan certification and information.

[Read Section 345 →](/congresses/117/bills/s/4459/sections/TIII-345.md)

## Subtitle E — Effective date; transition; implementation

## SEC. 351 Effective date; rulemaking regarding termination of certain repayment plans; implementation.

[Read Section 351 →](/congresses/117/bills/s/4459/sections/TIII-351.md)

# TITLE IV — Offsets

## SEC. 401 Excise tax on repurchase of corporate stock.

[Read Section 401 →](/congresses/117/bills/s/4459/sections/TIV-401.md)

## SEC. 402 Application of net investment income tax to trade or business income of certain high income individuals.

[Read Section 402 →](/congresses/117/bills/s/4459/sections/TIV-402.md)