This bill removes the word "undue" from the bankruptcy code's student loan hardship test. That one-word change could make it significantly easier for struggling borrowers to discharge student loans in court. The new rule would apply to past, current, and future bankruptcy cases.
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Student Loan Bankruptcy Improvement Act of 2025 is a House bill in committee. The latest recorded action: Referred to the House Committee on the Judiciary.
Latest action on H.R. 4444: Referred to the House Committee on the Judiciary.
Who this affects: This bill most directly affects the millions of Americans carrying student loan debt who are struggling to repay, especially those considering bankruptcy. It also affects bankruptcy courts, lenders, and taxpayers who ultimately bear the cost of discharged federal student loans.
Why this matters: Student loan debt affects about 43 million Americans, and the current bankruptcy standard is so strict that almost no one can use it. About six million borrowers are already seriously behind on payments, and millions more could default soon. This bill could give struggling borrowers a real option for relief — or, depending on your view, could shift costs to taxpayers and weaken repayment incentives.
You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.
