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Student Loan Allowance for Parents in College Financial Aid Calculations.

This act introduces a new deduction in the calculation of the Student Aid Index (SAI) for dependent students, specifically accounting for parental student loan debt. Starting in the 2027-2028 award year, parents with outstanding federal student loans can deduct up to $4,000 or 15% of that debt, lowering the income used to determine financial aid eligibility. This change aims to increase financial aid access for students whose families are burdened by educational debt.
Key points
Parents of dependent students can deduct up to $4,000 of their federal student loan debt when calculating the family contribution (SAI) for college aid.
The allowance applies to parents holding federal student loans and takes effect starting with the 2027-2028 academic year.
High-income families (AGI over $200,000 for single parents or $400,000 for married parents) are ineligible, and these thresholds will be adjusted annually.
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Status: Introduced
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Additional Information
Print number: 119_HR_7232
Sponsor: Rep. Stevens, Haley M. [D-MI-11]
Process start date: 2026-01-22
System Note: Lustra is free, publicly auditable civic infrastructure — full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source—always verify them if you can.
Summarized by: gemini-flash-latest
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

AID Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_7232.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2026-01-22.

What are the main provisions?

Key points include:

  • Parents of dependent students can deduct up to $4,000 of their federal student loan debt when calculating the family contribution (SAI) for college aid.
  • The allowance applies to parents holding federal student loans and takes effect starting with the 2027-2028 academic year.
  • High-income families (AGI over $200,000 for single parents or $400,000 for married parents) are ineligible, and these thresholds will be adjusted annually.
What is the specific legal status?

The current status is Introduced.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Stevens, Haley M. [D-MI-11].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Education and Workforce.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2026-02-05.

What is the impact of this bill?

We don't know—that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge.

CATEGORIES

Education Benefits