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HR 1739119th CongressIntroduced
Higher Education Reform and Opportunity Act
Introduced: Oct 29, 2025
Economy & TaxesEducationFinancial Services
Standard Summary
Comprehensive overview in 1-2 paragraphs
The Higher Education Reform and Opportunity Act amends the Higher Education Act of 1965 to restructure federal student loans, phase out forgiveness programs, establish state-based accreditation alternatives, mandate transparency in student outcomes, and impose institutional accountability for loan default rates.
Key Points
- 1Restructures federal student loans into simplified fixed-rate options with set repayment terms starting in 2026.
- 2Phases out loan forgiveness programs for new borrowers after 2026, limiting eligibility to existing borrowers until 2030.
- 3Establishes state alternative accreditation systems, allowing non-traditional programs to qualify for federal funding.
- 4Requires colleges to publicly report detailed student success metrics, including graduation rates, earnings, and loan default data.
- 5Imposes annual fines on institutions based on student loan default rates, offset by Pell Grant graduate credits.
Impact Areas
StudentsHigher education institutionsFederal student loan programsAccreditation agenciesState education departmentsBorrowersFinancial aid offices
Generated by legislative_analysis_v2 on Nov 6, 2025