arrow_back Back to App

Separating Joint Student Loans: New Options for Spouses and Former Spouses.

This law allows married couples and former spouses who took out a joint student loan to separate it. This means each individual can have their own loan, simplifying debt management, especially in cases of divorce or communication difficulties. Even those in default can take advantage of this option.
Key points
Ability to separate joint student loans into two distinct, individual loans.
Option to separate loans is available even for borrowers who are in default.
Allows for individual application for loan separation in cases of domestic violence, economic abuse, or inability to access the other borrower's loan information.
If one borrower applies individually, the other non-applying borrower becomes solely liable for the remaining balance of the joint loan.
article Official text account_balance Process page
VOTING RESULTS
2022-09-21
55%
For 232
Against 193
Abstain 0
Full voting results open_in_new
Became Law
Citizen Poll
No votes cast
Additional Information
Print number: 117_S_1098
Sponsor: Sen. Warner, Mark R. [D-VA]
Process start date: 2021-04-13
Voting date: 2022-09-21
Meeting no: 2
Voting no: 448
Lustra uses Artificial Intelligence. Verify details in source documents.
Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

Joint Consolidation Loan Separation Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_S_1098.

Which chamber initiated this legislation?

This legislation was initiated in the Senate.

When did the legislative process begin?

The process officially started on 2021-04-13.

What are the main provisions?

Key points include:

  • Ability to separate joint student loans into two distinct, individual loans.
  • Option to separate loans is available even for borrowers who are in default.
  • Allows for individual application for loan separation in cases of domestic violence, economic abuse, or inability to access the other borrower's loan information.
  • If one borrower applies individually, the other non-applying borrower becomes solely liable for the remaining balance of the joint loan.
What is the specific legal status?

The current status is Became Law.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Where is the official voting record?

The official roll call vote is recorded at: voting record

Who is the primary sponsor?

The primary sponsor is Sen. Warner, Mark R. [D-VA].

What is the latest detailed status?

The latest detailed status is: Became Public Law No: 117-200.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-29.

CATEGORIES

Education Family