Act Now: Congress Could Ease Student Borrowers' Pain By Passing These Laws

Call on your elected officials to support these bills.

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Now that you've read our reporton the student debt crisis, here's a list of senators to contact in order to urge their support on a number of bills that, if passed, would bring student borrowers some much-needed relief.

Here are the bills to talk to your elected officials about:

1. The Know Before You Owe Act (S. 113) would help ensure that students understand all of their options before they borrow money.

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2. Fairness for Struggling Students Act (S. 114) would amend the bankruptcy code to allow some college graduates to discharge private student debt in bankruptcy.

3. Federal Student Loan Refinancing Act (S. 1066) would allow student borrowers to refinance at a fixed rate of 4 percent—a majority of borrowers have a rate of more than six percent.

4. Earnings Contingent Education Loans Act (H.R. 1716) would automatically enroll graduates in an income-based repayment program that would collect dues directly from their paychecks. (This bill was introduced in the House of Representatives, so call your congressmen instead of your senator for this one. For a quick way to find out who should contact and how to reach them, click here.)

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And a new bill, introduced after press time, the Bank On Students Emergency Loan Refinancing Act (S. 2292) that would give those with outstanding federal and private student loan debt the opportunity to refinance at the rate offered to first-time borrowers (currently 3.86%).

Who to call/tweet at:

Alabama
Sen. Jeff Sessions (R), @SenatorSessions
Sen. Richard C. Shelby (R), @SenShelby

Alaska
Sen. Mark Begich (D), @SenatorBegich
Sen. Lisa Murkowski (R), @LisaMurkowski

Arizona

Sen. Jeff Flake (R), @JeffFlake
Sen. John McCain (R), @SenJohnMcCain

Arkansas
Sen. John Boozman (R), @JohnBoozman
Sen. Mark L. Pryor (D), @SenMarkPryor

California
Sen. Barbara Boxer (D), @SenatorBoxer
Sen. Dianne Feinstein (D), @SenFeinstein

Colorado
Sen. Michael F. Bennet (D), @SenBennetCO
Sen. Mark Udall (D), @MarkUdall

Connecticut
Sen. Richard Blumenthal (D), @SenBlumenthal
Sen. Chris Murphy (D), @ChrisMurphyCT

Delaware
Sen. Tom Carper (D), @SenatorCarper
Sen. Chris Coons (D), @ChrisCoons

Florida
Sen. Bill Nelson (D), @SenBillNelson
Sen. Marco Rubio (R), @MarcoRubio

Georgia
Sen. Saxby Chambliss (R), @SaxbyChambliss
Sen. Johnny Isakson (R), @SenatorIsakson

Hawaii
Sen. Mazie Hirono (D), @MazieHirono
Sen. Brian Schatz (D), @SenBrianSchatz

Idaho
Sen. Mike Crapo (R), @MikeCrapo
Sen. Jim Risch (R), @SenatorRisch

Illinois
Sen. Dick Durbin (D), @SenatorDurbin
Sen. Mark Kirk (R), @SenatorKirk

Indiana
Sen. Dan Coats (R), @SenDanCoats
Sen. Joe Donnelly (D), @SenDonnelly

Iowa
Sen. Chuck Grassley (R), @ChuckGrassley
Sen. Tom Harkin (D), @SenatorHarkin

Kansas
Sen. Jerry Moran (R), @JerryMoran
Sen. Pat Roberts (R), @SenPatRoberts

Kentucky
Sen. Mitch McConnell (R), @McConnellPress
Sen. Rand Paul (R), @SenRandPaul

Louisiana
Sen. Mary Landrieu (D), @MaryLandrieu
Sen. David Vitter (R), @DavidVitter

Maine
Sen. Susan Collins (R), @SenatorCollins
Sen. Angus King Jr. (I), @SenAngusKing

Maryland
Sen. Ben Cardin (D), @SenatorCardin
Sen. Barbara A. Mikulski (D), @SenatorBarb

Massachusetts
Sen. Elizabeth Warren (D), @SenWarren

Sen. Edward J. Markey (D), @MarkeyMemo

Michigan
Sen. Carl Levin (D), @SenCarlLevin

Sen. Debbie Stabenow (D), @Stabenow

Minnesota
Sen. Al Franken (D), @AlFranken
Sen. Amy Klobuchar (D), @AmyKlobuchar

Mississippi
Sen. Thad Cochran (R), @SenThadCochran
Sen. Roger F. Wicker (R), @SenatorWicker

Missouri
Sen. Roy Blunt (R), @RoyBlunt
Sen. Claire McCaskill (D), @Clairecmc

Montana

Sen. John E. Walsh (D), @SenWalshOffice

Sen. Jon Tester(D), @JonTester

Nebraska
Sen. Deb Fischer (R), @SenatorFischer
Sen. Mike Johanns (R), @Mike_Johanns

Nevada
Sen. Dean Heller (R), @SenDeanHeller
Sen. Harry Reid (D), @SenatorReid

New Hampshire
Sen. Kelly Ayotte (R), @KellyAyote
Sen. Jeanne Shaheen (D), @SenatorShaheen

New Jersey
Sen. Cory A. Booker (D), @CoryBooker

Sen. Robert Menendez (D), @SenatorMenendez

New Mexico
Sen. Martin Heinrich (D), @MartinHeinrich
Sen. Tom Udall (D), @SenatorTomUdall

New York
Sen. Kirsten E. Gillibrand (D), @SenGillibrand
Sen. Chuck Schumer (D), @ChuckSchumer

North Carolina
Sen. Richard Burr (R), @SenatorBurr
Sen. Kay R. Hagan (D), @SenatorHagan

North Dakota
Sen. Heidi Heitkamp (D), @SenatorHeitkamp
Sen. John Hoeven (R), @SenJohnHoeven

Ohio
Sen. Sherrod Brown (D), @SenSherrodBrown
Sen. Rob Portman (R), @RobPortman

Oklahoma
Sen. Tom Coburn (R), @TomCoburn
Sen. Jim Inhofe (R), @JimInhofe

Oregon
Sen. Jeff Merkley (D), @SenJeffMerkley
Sen. Ron Wyden (D), @RonWyden

Pennsylvania
Sen. Bob Casey (D), @SenBobCasey
Sen. Pat Toomey (R), @SenToomey

Rhode Island
Sen. Jack Reed (D), @SenJackReed
Sen. Sheldon Whitehouse (D), @SenWhitehouse

South Carolina
Sen. Lindsey Graham (R), @GrahamBlog
Sen. Tim Scott (R), @SenatorTimScott

South Dakota
Sen. Tim Johnson (D), @SenJohnsonSD
Sen. John Thune (R), @SenJohnThune

Tennessee
Sen. Lamar Alexander (R), @SenAlexander
Sen. Bob Corker (R), @SenBobCorker

Texas
Sen. John Cornyn (R), @JohnCornyn
Sen. Ted Cruz (R), @SenTedCruz

Utah
Sen. Orrin G. Hatch (R), @OrrinHatch
Sen. Mike Lee (R), @SenMikeLee

Vermont
Sen. Patrick J. Leahy (D), @SenatorLeahy
Sen. Bernie Sanders (I), @SenSanders

Virginia
Sen. Tim Kaine (D), @TimKaine
Sen. Mark R. Warner (D), @MarkWarner

Washington
Sen. Maria Cantwell (D), @MariaCantwell
Sen. Patty Murray (D), @PattyMurray

West Virginia
Sen. Joe Manchin III (D), @Sen_JoeManchin
Sen. Jay Rockefeller (D), @SenRockefeller

Wisconsin
Sen. Tammy Baldwin (D), @SenatorBaldwin
Sen. Ron Johnson (R), @SenRonJohnson

Wyoming
Sen. John Barrasso (R), @SenJohnBarrasso
Sen. Mike Enzi (R), @SenatorEnzi

YOUR STUDENT DEBT RELIEF CENTER:

These Sites Help You With Your Student Debt

Photo Credit: Getty Images

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