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H.R.4545 / 116th Congress

Private Loan Disability Discharge Act of 2019

Placed on the Union Calendar, Calendar No. 565.

Official summary

Version 08 · Reported to House, Part I · Dec 21, 2020

Private Loan Disability Discharge Act of 2019

This bill directs the holder of a private education loan to discharge the loan in the event of the borrower's death or total and permanent disability. The obligation of a cosigner for a private education loan is also discharged in the event of total and permanent disability of the borrower. The bill also extends indefinitely the exclusion of student loan debt discharge from gross income for federal income tax purposes.

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Who introduced it

Rep. Dean, Madeleine [D-PA-4] · D–PA

Committees

  • Ways and Means Committee
  • Financial Services Committee
4 cosponsorship records, including any withdrawals

Actions

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  1. Placed on the Union Calendar, Calendar No. 565.

  2. Committee on Ways and Means discharged.

  3. Committee on Ways and Means discharged.

  4. Reported (Amended) by the Committee on Financial Services. H. Rept. 116-682, Part I.

  5. Reported (Amended) by the Committee on Financial Services. H. Rept. 116-682, Part I.

  6. Ordered to be Reported (Amended) by the Yeas and Nays: 32 - 25.

  7. Committee Consideration and Mark-up Session Held.

  8. Committee Consideration and Mark-up Session Held.

  9. Referred to the Committee on Financial Services, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

  10. Referred to the Committee on Financial Services, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

  11. Introduced in House

  12. Introduced in House

Bill text & related measures

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Related bills identified by Congress.gov

Source last updated: Apr 7, 2025. Consult Congress.gov for the current record.

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Neutral evidence review

Objective

Analyze H.R.4545 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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Fairness and public impact

Progressive lens

Examine H.R.4545 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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Institutions and government scope

Conservative lens

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Individual rights and government power

Liberty lens

Examine H.R.4545 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.

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