Contact Congress about S. 1845: No Loan Forgiveness for Terrorists Act of 2025

Some jobs would stop counting toward federal student loan forgiveness. The bill targets employers tied to listed illegal activity, including terrorism, immigration violations, child abuse, discrimination, or repeated state-law violations.

Modern Action explains legislation in plain English, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.

No Loan Forgiveness for Terrorists Act of 2025 is a Senate bill in committee. The latest recorded action: Read twice and referred to the Committee on Health, Education, Labor, and Pensions.

Latest action on S. 1845: Read twice and referred to the Committee on Health, Education, Labor, and Pensions.

Who this affects: This bill mainly affects borrowers with federal student loans who rely on Public Service Loan Forgiveness. It could matter most for people who work at nonprofits, advocacy groups, humanitarian groups, or similar organizations that may be reviewed under the bill’s standards. It also affects organizations that want their jobs to count for PSLF because their conduct could affect whether employees earn credit.

Why this matters: This bill matters because it could take loan forgiveness credit away from some workers based on their employer’s actions. Today, PSLF focuses mainly on the type of employer and job. This bill would add new conduct-based limits. The change could push some organizations to avoid listed illegal activity if they want to keep attracting workers who need PSLF. It could also create uncertainty for workers who are unsure how the government will judge their employer.

Key provisions in S. 1845

• The bill makes the Public Service Loan Forgiveness job rules narrower. PSLF is the federal program that can erase student debt after enough qualifying public service payments.
• A borrower’s job would not count for PSLF if the employer takes part in activity with a “substantial illegal purpose.” That means serious listed illegal activity by the organization.
• An organization could be disqualified for helping someone break certain federal immigration laws.
• An organization could be disqualified for materially supporting terrorism. This includes helping cartels labeled as Foreign Terrorist Organizations or using violence to influence federal policy.
• An organization could be disqualified for materially supporting listed forms of child abuse. The bill includes certain medical procedures on children and taking children to “transgender sanctuary States” in violation of law.

How Modern Action helps you take action on S. 1845

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.

Questions people ask about S. 1845

What is S. 1845?

Some jobs would stop counting toward federal student loan forgiveness. The bill targets employers tied to listed illegal activity, including terrorism, immigration violations, child abuse, discrimination, or repeated state-law violations.

How do I support or oppose S. 1845?

Choose support, oppose, or ask for changes on Modern Action. The action flow drafts the message for you and keeps the wording tied to this bill.

Who should I contact about S. 1845?

Modern Action uses your location to route the action to the congressional offices relevant to the bill and your representation.

Can Modern Action explain S. 1845 before I act?

Yes. Modern Action gives you a plain-English summary, current status, and action context before you send anything.