S. 2764

119th CONGRESS 1st Session

To require disclosure of the total amount of interest that would be paid over the life of a loan for certain Federal student loans.

IN THE SENATE OF THE UNITED STATES · September 10, 2025 · Sponsor: Ms. Ernst · Committee: Committee on Health, Education, Labor, and Pensions

Table of contents

• S. 2764
  • SEC. 1. Short title
  • SEC. 2. Interest disclosure

SEC. 1. Short title

• This Act may be cited as the or the .

SEC. 2. Interest disclosure

• Section 455(p) of the Higher Education Act of 1965 () is amended— 20 U.S.C. 1087e(p)
  • by striking and inserting the following: “shall—
    • with respect to loans
  • by striking part B.and inserting part B; and; and
    • include in the disclosure required under section 433(a) the total amount of interest that would be paid over the life of the loan, using the standard repayment plan applicable based on the total outstanding principal of all loans of the borrower.
  • by adding at the end the following: