To revise counseling requirements for certain borrowers of student loans, and for other purposes.
Analysis under review: This bill has generated analysis that may be too generic or incomplete. Clause-level evidence remains available below.
Summary
What This Bill Does
This bill, To revise counseling requirements for certain borrowers of student loans,
and for other purposes., changes federal law or congressional policy affecting schools, students, and education providers. The main policy domain is Education, Finance, Labor.
Who Benefits and How
schools, students, and education providers may benefit from new authority, funding, eligibility, regulatory clarity, or reduced risk created by the bill.
Who Bears the Burden and How
federal implementing agencies, schools, students, and education providers may take on implementation duties, reporting obligations, compliance costs, or oversight responsibilities.
Key Provisions
- Section S1: 1. Short title This Act may be cited as the Know Before You Owe Federal Student Loan Act of 2025.
- Section idf72ae0598a2f4526b9b3929be38def26: 2. Pre-loan counseling and certification of loan amount Section 485(l) of the Higher Education Act of 1965 (20 U.S.C. 1092(l)) is amended— in the subsection...
- Section idc6ad3dfc57bc4bf1922c8b97372be18c: 3. Required periodic disclosures during periods when loan payments are not required Section 433 of the Higher Education Act of 1965 (20 U.S.C. 1083) is...
- Section idd39e46a8056a4ba2bc698dbe075a40fb: 4. Conforming amendments Section 487(e)(2)(B)(ii)(IV) of the Higher Education Act of 1965 (20 U.S.C. 1094(e)(2)(B)(ii)(IV)) is amended— by striking Entrance...
Evidence Chain:
This summary is generated from the full bill text using AI analysis. Expand "Detailed Analysis" below for identified beneficiaries/burden bearers with clause-level evidence links.
At a Glance
What This Bill Does
This bill, To revise counseling requirements for certain borrowers of student loans, and for other purposes., changes federal law or congressional policy affecting schools, students, and education providers.
Key Policy Areas
Education, Finance, Labor
Primary Purpose
This bill, To revise counseling requirements for certain borrowers of student loans, and for other purposes., changes federal law or congressional policy affecting schools, students, and education providers.
Policy Domains
Whole bill
Identified Gains
- schools, students, and education providers
Identified Costs
- federal implementing agencies
- schools, students, and education providers
Sponsors
Chuck Grassley
R-IA | Primary Sponsor
Legislative Progress
IntroducedMr. Grassley (for himself and Ms. Smith) introduced the following …
Impact analysis is available but no clear stakeholder effects identified. View clause-level analysis →
Bill Structure & Actor Mappings
Who is "The Secretary" in each section?
- "federal_implementing_agencies"
- → Federal agencies assigned duties by the bill
We use a combination of our own taxonomy and classification in addition to large language models to assess meaning and potential beneficiaries. High confidence means strong textual evidence. Always verify with the original bill text.
Learn more about our methodology