Eliminating the Hidden Student Loan Tax Act

Referred to the House Committee on Education and the Workforce.

Congressional Research Service

Official summary

Version 00 · Introduced in House · Sep 26, 2017

Eliminating the Hidden Student Loan Tax Act

This bill amends the Higher Education Act of 1965 to repeal the authority of the Department of Education (ED) to charge an origination fee on future loans under the William D. Ford Federal Direct Loan program. Specifically, the bill repeals ED's authority to charge an origination fee on a direct loan first disbursed, or, in the case of a direct consolidation loan, for which an application is received, on or after July 1, 2017. (Origination fees are the fees lenders charge for processing new loan applications.)

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People & committees

Who introduced it

Rep. Davis, Susan A. [D-CA-53] · D–CA

Committees

Education and Workforce Committee

1 cosponsorship records, including any withdrawals

Rep. Messer, Luke [R-IN-6]

Legislative record

Actions

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Sep 26, 2017
Referred to the House Committee on Education and the Workforce.
Sep 26, 2017
Introduced in House
Sep 26, 2017
Introduced in House

Primary sources

Bill text & related measures

Text links open the official source. We currently store references to these documents.

Introduced in House · Sep 26, 2017 Formatted Text PDF Formatted XML

Related bills identified by Congress.gov

Source last updated: Aug 11, 2025. Consult Congress.gov for the current record.

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Objective

Analyze H.R.3835 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

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Discuss H.R.3835, 115th Congress: Eliminating the Hidden Student Loan Tax Act

Official record: https://www.congress.gov/bill/115th-congress/house-bill/3835

Text version to examine: Introduced in House · 2017-09-26.

Official full text: https://www.congress.gov/115/bills/hr3835/BILLS-115hr3835ih.htm

Imported record last updated by the source: 2025-08-11T16:34:12Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Analyze H.R.3835 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

Fairness and public impact

Progressive lens

Examine H.R.3835 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

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Discuss H.R.3835, 115th Congress: Eliminating the Hidden Student Loan Tax Act

Official record: https://www.congress.gov/bill/115th-congress/house-bill/3835

Text version to examine: Introduced in House · 2017-09-26.

Official full text: https://www.congress.gov/115/bills/hr3835/BILLS-115hr3835ih.htm

Imported record last updated by the source: 2025-08-11T16:34:12Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.3835 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

Institutions and government scope

Conservative lens

Examine H.R.3835 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

View full prompt & sources

Discuss H.R.3835, 115th Congress: Eliminating the Hidden Student Loan Tax Act

Official record: https://www.congress.gov/bill/115th-congress/house-bill/3835

Text version to examine: Introduced in House · 2017-09-26.

Official full text: https://www.congress.gov/115/bills/hr3835/BILLS-115hr3835ih.htm

Imported record last updated by the source: 2025-08-11T16:34:12Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.3835 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

Individual rights and government power

Liberty lens

Examine H.R.3835 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.

View full prompt & sources

Discuss H.R.3835, 115th Congress: Eliminating the Hidden Student Loan Tax Act

Official record: https://www.congress.gov/bill/115th-congress/house-bill/3835

Text version to examine: Introduced in House · 2017-09-26.

Official full text: https://www.congress.gov/115/bills/hr3835/BILLS-115hr3835ih.htm

Imported record last updated by the source: 2025-08-11T16:34:12Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.3835 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.