RESULTS Act

Overview: HR 5269, RESULTS Act, Introduced in House, September 10, 2025

Purpose and Intent: The RESULTS Act (Restoring Equity and Strengthening Transparency in Lending for Students) aims to address issues of equity and transparency in the federal student loan system. The bill seeks to improve access to affordable higher education and ensure fair lending practices for student borrowers.

Key Provisions:
- Requires the Department of Education to establish a new income-driven repayment plan with a maximum monthly payment of 10% of discretionary income
- Eliminates origination fees for federal student loans
- Mandates the Department of Education to provide clear, standardized information to borrowers about loan terms, repayment options, and potential forgiveness programs
- Directs the Department to conduct regular audits and oversight of student loan servicers to ensure compliance with consumer protection laws

Affected Parties and Impacts:
- Current and future federal student loan borrowers would benefit from more affordable repayment options and increased transparency
- Colleges and universities may see improved access and enrollment as a result of more accessible and equitable student loan programs
- Student loan servicers would be subject to increased oversight and accountability measures

Procedural and Timeline Considerations:
The RESULTS Act has been introduced in the House and is currently awaiting further action and consideration by congressional committees.