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May 20, 2014

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 report on 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.

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.)

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:


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

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


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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Sen. Elizabeth Warren (D)@SenWarren

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

Sen. Carl Levin (D)@SenCarlLevin

Sen. Debbie Stabenow (D), @Stabenow

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

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

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


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

Sen. Jon Tester(D)@JonTester

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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




These Sites Help You With Your Student Debt
Help on the Web: Your Representatives Can Help You
This Senator Is Fighting for Student-Loan Reform
Are Recession Proof Degrees Really Worth the Six-Figure Debt?
Till Debt Do Us Part: His Student Loans Are Now Yours
Expert Financial Advice to Pay Off Your Debt



Photo Credit: Getty Images


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