PlainBillCongress, translated.Legislation. Context. Public interest.Received in the Senate and read twice and referred to the Committee on Labor and Human Resources.
Congressional Research Service
Version 17 · Reported to House with amendment(s) · Sep 5, 1996
Student Debt Reduction Act of 1996 - Amends the Higher Education Act of 1965 to permit lenders under the unsubsidized Federal Family Education Loan program to pay origination fees on behalf of borrowers and charge them for such fees. Requires each lender to assess the same fee to all student borrowers, but allows a lesser fee to be assessed for borrowers demonstrating greater financial need. Directs the Secretary of Education to submit to the Congress a legislative proposal that would permit the Secretary to allocate the right to make subsidized and unsubsidized student loans on the basis of competitive bidding. Requires such proposal to include provisions to ensure that any payments received from competitive bidding are equally allocated to deficit reduction and to pro rata reduction of origination fees in both guaranteed and direct student loans. Directs the Secretary to conduct, and report to the Congress on, a statistical analysis of the subsidized and unsubsidized student loan programs under HEA to gather data on lenders' use of loan fees and to determine if there are any anomalies that would indicate any institutional, programmatic, or socioeconomic discrimination in the assessing or waiving of such fees.
People & committees
Rep. Goodling, William F. [R-PA-19] · R–PA
Legislative record
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Received in the Senate and read twice and referred to the Committee on Labor and Human Resources.
Motion to reconsider laid on the table Agreed to without objection.
On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 414 - 1 (Roll no. 410).
House roll call 410 · Individual votesPassed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 414 - 1 (Roll no. 410).
House roll call 410 · Individual votesConsidered as unfinished business. (consideration: CR H10196-10197)
At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 5, rule I, the Chair announced that further proceedings on the motion would be postponed until Sept. 11.
DEBATE - The House proceeded with forty minutes of debate.
Considered under suspension of the rules. (consideration: CR H10120-10123)
Mr. Goodling moved to suspend the rules and pass the bill, as amended.
Placed on the Union Calendar, Calendar No. 417.
Reported (Amended) by the Committee on Economic and Educational. H. Rept. 104-775.
Reported (Amended) by the Committee on Economic and Educational. H. Rept. 104-775.
Ordered to be Reported (Amended) by the Yeas and Nays: 34 - 0.
Committee Consideration and Mark-up Session Held.
Referred to the House Committee on Economic and Educational Opportunities.
Sponsor introductory remarks on measure. (CR E1334)
Introduced in House
Introduced in House
Primary sources
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Source last updated: Jul 21, 2025. Consult Congress.gov for the current record.
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Analyze H.R.3863 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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