Parents and students

What our breakdowns say each bill would mean for you, from groups whose heading contains parent, child, children, kids, student, school, foster, young person, young people, teach, college athlete, play a college sport, playing a college sport, played college sport or student loan. Newest official action first.

15 bills121 points

S. 4668

Protect College Sports Act of 2026

Latest official action Oct 5, 2026 · Drafted by AI, awaiting review by two people

If you play a college sport

You could still earn money from your name and image, under new rules

Schools, conferences, and the NCAA could not stop you from making deals to earn money from your name, image, or likeness.
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an institution, conference, intercollegiate athletic association, or any representative of such an entity may not[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 101(a)(1)to market or earn compensation for the value of their name, image, or likeness rights; or[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 101(a)(1)(A)(i)
Your school could pay you too, within limits based on a 2025 court settlement.
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may pay, provide, or facilitate compensation to a student athlete for the use of the name, image, or likeness of the student athlete.[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 101(c)The term revenue share cap means the Benefits Pool Limit set forth in the Injunctive Relief Settlement Agreement approved by the court in In Re College Athlete NIL Litigation, No. 20–cv–03919 (N.D. Cal. June 6, 2025)[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 100(19)
At a Division I school, you would report each deal worth more than $600 to your school and the NCAA within 5 days.
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All student athletes shall report to their institution and their intercollegiate athletic association[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 101(b)(1)not later than 5 days after entering into a name, image, and likeness agreement, the terms of any such agreement, including the amount and source, that exceeds $600 in value[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 101(b)(1)(A)This subsection shall apply only to student athletes and prospective student athletes of institutions whose primary membership is in Division I[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 101(b)(5)
Payments from the same source over 12 months would count together toward the $600.
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including multiple payments, remunerations, or benefits from the same entity that exceeds a total of $600 over a 12-month period[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 101(b)(1)(A)
Every deal, except one with a school, would need a real business purpose.
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Except for a name, image, and likeness agreement with an institution, a name, image, and likeness agreement with a student athlete shall be for a valid business purpose.[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 114(d)
Deals with boosters and other groups tied to your school would also have to pay in line with what outside firms pay similar people who are not athletes there.
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An institution, an employee of an institution, a volunteer of an institution, a conference, an employee of a conference, or an associated entity shall not[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 114(a)(1)commensurate with compensation paid by third parties to individuals with a similar profile, reputation, or notability who are not student athletes or prospective student athletes at the institution; or[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 114(a)(1)(B)(ii)means a person, corporation, booster organization, tax-exempt organization, or other entity that provides donations or other support[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 100(4)(A)
Your school could not cut your scholarship because of how you play or because of roster choices.
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an institution that awards a grant-in-aid to a student athlete may not revoke, reduce, or condition the grant-in-aid of the student athlete[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 105(c)(1)based on the athletic ability or performance of the student athlete[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 105(c)(1)(A)roster management decisions.[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 105(c)(1)(C)

If you get hurt playing a college sport

Division I schools would cover your out-of-pocket costs

A Division I school would have to cover your out-of-pocket medical costs, such as copays, for injuries from your sport.
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Each Division I institution[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 106(a)all out-of-pocket medical expenses, such as copayments or deductibles, for the health care coverage of a student athlete for any injury or disease incurred through participation in an intercollegiate sport;[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 106(a)(1)(A)
If you play your last year at the school, that coverage lasts 5 more years after your last game.
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with respect to a student athlete enrolled at the institution during their last year of eligibility to participate in intercollegiate athletic competition, for the 5-year period beginning on the day after the last intercollegiate competition for the student athlete[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 106(a)(2)
It would also cover the cost of a second opinion from a doctor outside the school.
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the expense for obtaining a medical second opinion independent of the institution[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 106(a)(1)(B)
Your scholarship could not be cut because you got hurt or sick.
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may not revoke, reduce, or condition the grant-in-aid of the student athlete[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 105(c)(1)as a result of an injury or illness based on a physical or mental medical condition of the student athlete; or[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 105(c)(1)(B)
Doctors and trainers, not coaches, would decide when you can play again.
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shall have the autonomous, unchallengeable authority to determine medical management and return to play decisions for student athletes under their care at an institution.[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 107(e)(1)No coach or other nonmedical personnel of an institution may attempt to influence or disregard the decisions of medical personnel[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 107(e)(2)
Later in life, an NCAA fund would help pay for long-term conditions from your sport, such as CTE, a brain disease.
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post-eligibility medical expenses for the student athletes of a member institution who are diagnosed with significant long-term conditions related to their participation in an intercollegiate sport, including chronic traumatic encephalopathy and any other cognitive impairment.[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 106(b)(1)(B)

If you want to change schools or keep playing

One free transfer, and up to 5 years to play

You could transfer once without sitting out.
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once without losing or delaying eligibility to participate in intercollegiate sports;[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 112(1)
A second transfer would mean sitting out your first school year after the move.
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a second time with a loss of eligibility to participate in intercollegiate sports during the first academic year following the transfer; and[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 112(2)
Some moves would not count against you, such as when your sport is cut, your head coach leaves, or you start a graduate degree.
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discontinuation of a sport in which the student athlete competes;[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 112(3)(A)the departure of the head coach of the student athlete’s varsity sports team;[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 112(3)(B)the student athlete pursuing a graduate degree.[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 112(3)(D)
The same goes if someone tied to your school sexually assaults or harasses you.
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sexual assault or harassment of the student athlete by an individual associated with the student athlete’s institution; or[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 112(3)(C)
At Division I and II schools, you would have a 5-year window to play.
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is eligible to compete in intercollegiate athletic competition for a Division I or Division II institution (as defined by bylaw 20 of the National Collegiate Athletic Association, or a successor bylaw) for a maximum of 5 calendar years[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 113(b)(1)
The clock would start the school year after you turn 19, or when you first enroll full time, if that comes first.
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the beginning of the academic year following the 19th birthday of the student athlete; or[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 113(b)(1)(A)the date the student athlete initially enrolls full time at an institution.[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 113(b)(1)(B)
Time away for pregnancy, a religious mission, or active military duty would not count.
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Paragraph (1) does not apply during a period of absence for any of the following:[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 113(b)(2)Reasons of pregnancy.[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 113(b)(2)(A)Religious mission.[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 113(b)(2)(B)Active-duty military service.[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 113(b)(2)(C)
The NCAA could also stop the clock for other absences, such as a serious injury or illness, under rules that apply to all athletes.
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Other periods of absence, which may include serious athletic injury or medical condition, adopted by rule or bylaw by an intercollegiate athletic association that apply uniformly to all student athletes.[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 113(b)(2)(D)

If you are being recruited out of high school

No pay from schools, conferences, or boosters before you enroll

You could still earn money from deals for your own name, image, or likeness.
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an institution, conference, intercollegiate athletic association, or any representative of such an entity may not[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 101(a)(1)restrict the ability of a student athlete, group of student athletes, or prospective student athlete[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 101(a)(1)(A)to market or earn compensation for the value of their name, image, or likeness rights; or[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 101(a)(1)(A)(i)
But schools, their staff, conferences, and boosters could not pay you for any reason before you enroll.
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An institution, an employee of an institution, a volunteer of an institution, a conference, an employee of a conference, or an associated entity shall not[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 114(a)(1)provide compensation for any purpose to a prospective student athlete prior to enrollment in an institution[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 114(a)(1)(C)
The one exception: a school may pay the reasonable cost of a development camp that is also open to athletes who are not being recruited.
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nothing in this subparagraph shall prohibit an institution from providing compensation to attend a development camp or program if that camp or program is open to non-prospective student athletes and such compensation does not exceed the reasonable costs of attendance.[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 114(a)(1)(C)
The NCAA could limit school contact with you to set windows of 2 to 5 weeks.
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An intercollegiate athletic association may enforce provisions on recruitment and tampering of student athletes or prospective student athletes[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 117except for during a reasonable period (or periods) of time established for each sport that in no case shall be less than 2 weeks or greater than 5 weeks;[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 117(3)
It could also ban recruiting contact unless you choose to opt in.
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recruiting or contacting a student athlete or prospective student athlete who has not affirmatively opted in to receive such recruitment or contact;[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 117(5)
If you enroll at a Division I school, you would report your current deals worth more than $600 to the school and the NCAA.
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shall report to the institution at which the student athlete enrolls and their intercollegiate athletic association[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 101(b)(2)the terms of any current or ongoing name, image, and likeness agreement that exceeds $600 in value[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 101(b)(2)(A)This subsection shall apply only to student athletes and prospective student athletes of institutions whose primary membership is in Division I[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 101(b)(5)

If you are the parent of a college athlete

Some family costs could be paid, and your child's deals kept private

Your family's reasonable travel and lodging costs could be paid when your child has a documented health problem or is competing.
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reasonable costs of transportation and temporary lodging for family members of a student athlete while the student athlete is experiencing a documented physical or mental health concern or participating in an intercollegiate athletic competition;[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 114(b)(1)
A school could not release a deal report that identifies your child without written consent from your child or your child's agent, or, for a minor, from a parent or guardian.
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an institution may not release any information that would identify a student athlete or prospective student athlete in a disclosure under paragraph (1) or (2) without the express written consent of the student athlete, prospective student athlete, athlete agent of the student athlete or prospective student athlete, or, in case of a minor, the parent or legal guardian of the minor.[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 101(b)(4)
The NCAA would have to give parents materials that explain the new rules.
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and the parents or guardians of student athletes or prospective student athletes with educational materials relating to this title.[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 101(e)

If you played college sports but never finished your degree

Your old Division I school would have to let you come back

If you had a scholarship and played your last year at a Division I school in the past 10 years, it would have to let you return to finish a degree.
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the opportunity to resume study at the institution for the purpose of completing the requirements necessary to earn a degree; and[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 105(c)(2)(D)(i)(I)was enrolled at the institution during their last year of eligibility to participate in intercollegiate athletic competition during the preceding 10-year period;[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 105(c)(2)(D)(ii)(I)received grant-in-aid while enrolled at the institution;[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 105(c)(2)(D)(ii)(II)Paragraph (2)(D) shall apply only to institutions that compete in Division I[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 105(c)(3)
It would also give you the same aid as before, or aid based on your current need if your old aid was based only on need.
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the amount of grant-in-aid the former student athlete received while previously enrolled at the institution and participating[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 105(c)(2)(D)(i)(II)(aa)in the case of grant-in-aid previously awarded solely on the basis of demonstrated financial need, grant-in-aid awarded based on the current demonstrated financial need of the former student athlete.[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 105(c)(2)(D)(i)(II)(bb)
This would not apply if your aid was taken away for breaking school conduct rules.
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was not subject to the revocation of grant-in-aid under subparagraph (A)(ii)(I); and[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 105(c)(2)(D)(ii)(III)the standards or code of conduct of the institution applicable to all students;[4] S. 4668 as passed by the Senate (September 28, 2026) · Sec. 105(c)(2)(A)(ii)(I)

Read the full breakdown of S. 4668

H.R. 7008

Stop Insider Trading Act

Latest official action Sep 30, 2026 · Drafted by AI, awaiting review by two people

If you are the spouse or dependent child of a member of Congress

The ban on buying would cover you too

You could not buy covered stock either.
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A dependent child (as defined in section 13101) or a spouse of a Member of Congress.[4] H.R. 7008 as passed by the House (July 22, 2026) · Sec. 2(b) → inserted 13151(1)(B)no covered individual may purchase a covered investment[4] H.R. 7008 as passed by the House (July 22, 2026) · Sec. 2(b) → inserted 13152(a)
A dependent child is a son, daughter, or stepchild who is unmarried, under 21, and lives in the member's household. It also covers a child who counts as the member's dependent for taxes.
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any individual who is a son, daughter, stepson, or stepdaughter and who[17] 5 U.S.C. 13101, U.S. Code 2024 edition (ethics definitions) · (2)is unmarried and under age 21 and is living in the household of such reporting individual[17] 5 U.S.C. 13101, U.S. Code 2024 edition (ethics definitions) · (2)(A)is a dependent of such reporting individual within the meaning of section 152 of the Internal Revenue Code of 1986[17] 5 U.S.C. 13101, U.S. Code 2024 edition (ethics definitions) · (2)(B)
Before you sell covered stock, the member would have to post a public notice 7 to 14 days ahead.
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publicly disclosed at least 7 calendar days, and no more than 14 calendar days, prior to the sale[4] H.R. 7008 as passed by the House (July 22, 2026) · Sec. 2(b) → inserted 13152(b)(1)A Member of Congress shall file the notice under paragraph (1) for each intended sale by the Member, or the spouse or dependent child of the Member[4] H.R. 7008 as passed by the House (July 22, 2026) · Sec. 2(b) → inserted 13152(b)(4)
You could still make trades that are part of your main job, if the stock is not owned by the member, the spouse, or a dependent child.
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not owned by a covered individual and if such trade is performed as a function of the primary occupation of the spouse or dependent child[4] H.R. 7008 as passed by the House (July 22, 2026) · Sec. 2(b) → inserted 13152(c)(1)(A)
Trades that are part of your pay from an employer, or done in carrying out your duties to clients or at work, would also be allowed.
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made as a part of compensation from an employer of such individual or in furtherance of any fiduciary or occupational obligations of such individual[4] H.R. 7008 as passed by the House (July 22, 2026) · Sec. 2(b) → inserted 13152(c)(1)(B)
If you break the rules, the member of Congress pays the fee. Anything you bought in violation would have to be sold if the ethics committee directs it.
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is the spouse or parent of a covered individual who caused the violation[4] H.R. 7008 as passed by the House (July 22, 2026) · Sec. 2(b) → inserted 13153(a)(1)(B)Any covered individual who violates the restrictions in section 13152 with respect to a covered investment, shall, at the direction of the supervising ethics office[4] H.R. 7008 as passed by the House (July 22, 2026) · Sec. 2(b) → inserted 13153(a)be required to sell a covered investment purchased in violation of section 13152(a)[4] H.R. 7008 as passed by the House (July 22, 2026) · Sec. 2(b) → inserted 13153(a)(2)

Read the full breakdown of H.R. 7008

H.R. 5334

Lindsey O. Graham Sanctioning Russia and Iran Act of 2026

Latest official action Sep 18, 2026 · Drafted by AI, awaiting review by two people

If you teach young children

You can now take the educator expense deduction

Early childhood teachers, counselors, principals, and aides can now take the same tax deduction K-12 staff get.
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an early childhood teacher, instructor, counselor, principal, or aide in a school for at least 900 hours during a school year[7] H. Rept. 119-600 · Explanation of Provisionby striking a kindergarten through grade 12 teacher and inserting an early childhood or kindergarten through grade 12 teacher[6] H.R. 5334 as passed by both chambers (enrolled) · Div. B, Sec. 1(a)(1)
You must work there at least 900 hours in a school year.
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an early childhood teacher, instructor, counselor, principal, or aide in a school for at least 900 hours during a school year[7] H. Rept. 119-600 · Explanation of Provision
The school or child care center must serve more than 2 children under age 6 who do not live there.
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provides educational or childcare services for more than 2 individuals (other than individuals who reside at the school or facility) who have not attained age 6[6] H.R. 5334 as passed by both chambers (enrolled) · Div. B, Sec. 1(a)(2) → inserted (B)(i)(I)
It must be run with public money or be paid for its services, and it can be for-profit.
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operates at the public expense or receives a fee, payment, or grant for providing such services for any of the individuals (regardless of whether such school or facility is operated for profit)[6] H.R. 5334 as passed by both chambers (enrolled) · Div. B, Sec. 1(a)(2) → inserted (B)(i)(II)
The deduction covers costs such as classroom books and supplies and training courses.
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in connection with books, supplies[7] H. Rept. 119-600 · Present Lawparticipation in professional development courses[7] H. Rept. 119-600 · Present Law
The House committee report says the deduction is capped at $350 in 2026.
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The above-the-line deduction for education expenses is limited to $350 in 2026.[7] H. Rept. 119-600 · Present Law
It applies to costs in tax years beginning after December 31, 2025.
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shall apply to expenses paid or incurred in taxable years beginning after December 31, 2025[6] H.R. 5334 as passed by both chambers (enrolled) · Div. B, Sec. 1(c)

Read the full breakdown of H.R. 5334

H.R. 2978

GUARD Act

Latest official action Sep 16, 2026 · Drafted by AI, awaiting review

If you or a parent could be targeted by a scam

Local police get more tools to chase scammers

The bill covers fraud against older people and people with disabilities.
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the illegal or improper use of the money, property, or other resources of an elderly individual or adult with a disability[3] Engrossed in House (September 15, 2026) · Sec. 2(1)
It also covers pig butchering: a scam where someone builds trust, then talks you into a fake crypto investment and disappears.
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a confidence and investment fraud in which the victim is gradually lured into making increasing monetary contributions, generally in the form of cryptocurrency, to a seemingly sound investment before the scammer disappears[3] Engrossed in House (September 15, 2026) · Sec. 2(4)
Grant money could also pay for training on helping victims.
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assisting victims of financial fraud and exploitation[3] Engrossed in House (September 15, 2026) · Sec. 3(a)(2)(B)

Read the full breakdown of H.R. 2978

S. 162

Recruiting Families Using Data Act of 2025

Latest official action Jun 15, 2026 · Drafted by AI, awaiting review

If you are a foster or adoptive parent

Your state would have to ask what you need, and why parents quit

States would collect feedback from foster and adoptive parents each year, including why they stop fostering.
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a summary of the most recent feedback from foster and adoptive parents and youth regarding licensure, training, support, and reasons why parents stop fostering[2] Engrossed in Senate (June 11, 2026) · Sec. 2(a)(2) → inserted (d)(4)
States would set up or support foster family advisory boards.
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how that State will stand up or support foster family advisory boards for the purpose of improving recruitment and retention of foster and adoptive families[2] Engrossed in Senate (June 11, 2026) · Sec. 2(a)(2) → inserted (d)(2)(E)
Families like yours would help write the state's plan.
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The plan is developed in consultation with birth, kinship, foster and adoptive families, community-based service providers, technical assistance providers, and youth with lived experience with foster care and adoption.[2] Engrossed in Senate (June 11, 2026) · Sec. 2(a)(2) → inserted (d)(1)

If a child in your family is in foster care

States would have to look for relatives first

The plan must say how the state will find, notify and support relatives as homes for the child.
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how the State plans to identify, notify, engage, and support relatives (and others connected to the child) as potential placement resources for children[2] Engrossed in Senate (June 11, 2026) · Sec. 2(a)(2) → inserted (d)(2)(A)

If you are a young person in foster care

A recruitment plan for you

Each child who needs a family would get a recruitment plan of their own, and youth would help shape it.
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how the State plans to develop and implement child-specific recruitment plans for every child in or entering foster care who needs a foster or adoptive family[2] Engrossed in Senate (June 11, 2026) · Sec. 2(a)(2) → inserted (d)(2)(B)how the State plans to authentically engage children and youth in recruitment efforts on their behalf[2] Engrossed in Senate (June 11, 2026) · Sec. 2(a)(2) → inserted (d)(2)(C)

Read the full breakdown of S. 162

S. 1070

National STEM Week Act

Latest official action Mar 3, 2026 · Drafted by AI, awaiting review

If you have kids in school or college

A yearly week of STEM events, if schools join

Elementary schools, high schools and colleges would be encouraged to take part.
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The term educational institution means any elementary school, secondary school, and institution of higher education.[2] Engrossed in Senate (February 26, 2026) · Sec. 3(3) → inserted (e)(1)(A)Encourage educational institutions to participate in National STEM Week.[2] Engrossed in Senate (February 26, 2026) · Sec. 3(3) → inserted (e)(3)(A)
Families would be urged to try STEM activities at home.
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Encourage families of students attending the educational institutions participating in National STEM Week to participate in STEM activities.[2] Engrossed in Senate (February 26, 2026) · Sec. 3(3) → inserted (e)(3)(B)

Read the full breakdown of S. 1070

H.R. 7148

Consolidated Appropriations Act, 2026

Latest official action Feb 3, 2026 · Drafted by AI, awaiting review by two people

If you are a student or a parent

College aid, schools, and child care

The largest Pell Grant for the 2026-2027 school year is $6,335.
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The maximum Pell Grant for which a student shall be eligible during award year 2026–2027 shall be $6,335.[2] Enrolled Bill · Div. B, Title III, Student Financial Assistance
Head Start gets $12,356,820,000.
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$12,356,820,000 shall be for making payments under the Head Start Act[2] Enrolled Bill · Div. B, Title II, Children and Families Services Programs
Child care help for low-income families gets $8,831,387,000 through the Child Care and Development Block Grant.
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For carrying out the Child Care and Development Block Grant Act of 1990 (CCDBG Act), $8,831,387,000 shall be used to supplement, not supplant State general revenue funds for child care assistance for low-income families[2] Enrolled Bill · Div. B, Title II, Child Care and Development Block Grant
Title I and some related school programs get $19,127,790,000.
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For carrying out title I and subpart 2 of part B of title II of the Elementary and Secondary Education Act of 1965 (referred to in this Act as ESEA) and section 418A of the Higher Education Act of 1965 (referred to in this Act as HEA), $19,127,790,000[2] Enrolled Bill · Div. B, Title III, Education for the Disadvantaged

Read the full breakdown of H.R. 7148

H.R. 6359

Pregnant Students' Rights Act

Latest official action Jan 26, 2026 · Drafted by AI, awaiting review by two people

If you are a college student

A yearly notice about pregnancy support

Your school would email you at least once a year about resources for carrying a pregnancy to term and parenting after birth.
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an email to each enrolled student at least once each academic year[3] Engrossed in House (January 22, 2026) · Sec. 2 → inserted (n)(3)(A)A list of resources on campus and in the community that exist to help a pregnant student in carrying the baby to term and caring for the baby after birth.[3] Engrossed in House (January 22, 2026) · Sec. 2 → inserted (n)(2)(A)
You would also find it in the handbook, at orientation, at the health center and on the school website.
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in student handbooks, if any;[3] Engrossed in House (January 22, 2026) · Sec. 2 → inserted (n)(3)(B)(i)at each orientation for enrolled students;[3] Engrossed in House (January 22, 2026) · Sec. 2 → inserted (n)(3)(B)(ii)at student health or counseling centers, if any; and[3] Engrossed in House (January 22, 2026) · Sec. 2 → inserted (n)(3)(B)(iii)on the publicly available website of the institution of higher education[3] Engrossed in House (January 22, 2026) · Sec. 2 → inserted (n)(3)(B)(iv)
It would tell you how to complain to the school or the Education Department if you face bias for deciding to carry to term.
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the institution, if a student believes the student has been discriminated against in violation of such title IX[3] Engrossed in House (January 22, 2026) · Sec. 2 → inserted (n)(2)(C)(ii)the Department of Education, if a student believes there was a violation by the institution of title IX of the Education Amendments of 1972[3] Engrossed in House (January 22, 2026) · Sec. 2 → inserted (n)(2)(C)(i)on account of such student’s determination to carry a baby to term[3] Engrossed in House (January 22, 2026) · Sec. 2 → inserted (n)(2)(C)(i)
The bill does not require information on other pregnancy outcomes. A House vote to say schools may share it fell short, 213 to 216.
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on the rights of, and resources (including protections and accommodations) for, pregnant students to carry a baby to term[3] Engrossed in House (January 22, 2026) · Sec. 2 → inserted (n)(1)Nothing in this subsection shall be construed to prevent an institution of higher education from providing medically accurate and comprehensive information and resources about sexual and reproductive health services, including information and resources related to contraception and abortion[9] Congressional Record, House, January 22, 2026 (H1325-H1330) · H1330, motion to recommit2026-01-22 17:05:00 | House floor actions | On motion to recommit Failed by the Yeas and Nays: 213 - 216 (Roll no. 46).[1] Official bill status record (actions, votes, cosponsors) · Actions, January 22, 2026

Read the full breakdown of H.R. 6359

S. 222

Whole Milk for Healthy Kids Act of 2025

Latest official action Jan 14, 2026 · Drafted by AI, awaiting review

If your child eats school lunch

Schools may offer whole milk, but they don't have to

Schools may offer whole, reduced-fat (2 percent), low-fat, or fat-free milk, flavored or plain.
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may offer students options which may include flavored and unflavored organic or nonorganic whole, reduced-fat, low-fat, and fat-free fluid milk[5] S. 222 as passed by both chambers (enrolled) · Sec. 2(a)(1)(A) → inserted (ii)whole and reduced-fat (2 percent) milk[14] USDA Food and Nutrition Service final rule, Expanding Fluid Milk Options in Child Nutrition Programs, 91 Fed. Reg. 25073 (May 8, 2026) · Section 1, Background
The milk can be organic or not.
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flavored and unflavored organic or nonorganic whole[5] S. 222 as passed by both chambers (enrolled) · Sec. 2(a)(1)(A) → inserted (ii)
Schools must still offer a variety of milk, but no school has to add whole milk.
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shall offer students a variety of fluid milk;[5] S. 222 as passed by both chambers (enrolled) · Sec. 2(a)(1)(A) → inserted (i)Program operators are not required, but are encouraged, to make changes to menus under this provision.[14] USDA Food and Nutrition Service final rule, Expanding Fluid Milk Options in Child Nutrition Programs, 91 Fed. Reg. 25073 (May 8, 2026) · Section 2, Final Rule
The group that runs your school's meals, called the school food authority, decides which kinds of milk to offer.
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Program operators have discretion to decide which varieties of fluid milk to offer.[14] USDA Food and Nutrition Service final rule, Expanding Fluid Milk Options in Child Nutrition Programs, 91 Fed. Reg. 25073 (May 8, 2026) · Section 2, Final RuleIt also allows school food authorities (SFA) to exclude the saturated fat from fluid milk[14] USDA Food and Nutrition Service final rule, Expanding Fluid Milk Options in Child Nutrition Programs, 91 Fed. Reg. 25073 (May 8, 2026) · Section 1, Background
USDA's rule also allows whole and 2 percent milk for children 2 and older at school breakfast and in child care food programs.
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allow whole and reduced-fat milk to be offered to Child Nutrition Program (CNP) participants ages two and up in the NSLP, School Breakfast Program (SBP), Child and Adult Care Food Program (CACFP), and Special Milk Program (SMP)[14] USDA Food and Nutrition Service final rule, Expanding Fluid Milk Options in Child Nutrition Programs, 91 Fed. Reg. 25073 (May 8, 2026) · Section 1, Backgroundwhole and reduced-fat (2 percent) milk[14] USDA Food and Nutrition Service final rule, Expanding Fluid Milk Options in Child Nutrition Programs, 91 Fed. Reg. 25073 (May 8, 2026) · Section 1, Background
USDA gave schools guidance on January 14, 2026, the day the law was signed, and its formal rule took effect June 8, 2026.
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Whole Milk for Healthy Kids Act of 2025--Implementation Requirements for the National School Lunch Program, January 14, 2026[14] USDA Food and Nutrition Service final rule, Expanding Fluid Milk Options in Child Nutrition Programs, 91 Fed. Reg. 25073 (May 8, 2026) · Footnote 52026-01-14 | Library of Congress | Signed by President.[1] Official bill status record for S. 222 · Actions, January 14, 2026This rule is effective June 8, 2026.[14] USDA Food and Nutrition Service final rule, Expanding Fluid Milk Options in Child Nutrition Programs, 91 Fed. Reg. 25073 (May 8, 2026) · Dates

If your child can't drink cow's milk

Nondairy drinks get easier to offer, and a parent can write the disability note

Schools may now offer nondairy drinks, such as soy milk, to any student as a regular choice.
1,5,7
and nondairy beverages that are nutritionally equivalent to fluid milk and meet the nutritional standards established by the Secretary[5] S. 222 as passed by both chambers (enrolled) · Sec. 2(a)(1)(A) → inserted (ii)allowing schools to offer all students nondairy beverages that are nutritionally equivalent to fluid milk[1] Official bill status record for S. 222 · CRS summary (Public Law, January 14, 2026)nondairy beverages, such as soy milk[7] Congressional Record, House, December 15, 2025 (H5857-H5861) · H5858, Rep. Scott
Before, schools could serve them only as a substitute for students with a disability or another medical or special dietary need.
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shall provide a substitute for fluid milk for students whose disability restricts their diet[8] 42 U.S.C. 1758, U.S. Code 2024 edition (school lunch program requirements, before the Act) · (a)(2)(A)(iii)A school may substitute for the fluid milk provided under subparagraph (A), a nondairy beverage that is nutritionally equivalent to fluid milk[8] 42 U.S.C. 1758, U.S. Code 2024 edition (school lunch program requirements, before the Act) · (a)(2)(B)(i)for students who cannot consume fluid milk because of a medical or other special dietary need other than a disability described in subparagraph (A)(iii)[8] 42 U.S.C. 1758, U.S. Code 2024 edition (school lunch program requirements, before the Act) · (a)(2)(B)(i)
These drinks must be as nutritious as milk and fortified with calcium, protein, and vitamins A and D to cow's milk levels.
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include fortification of calcium, protein, vitamin A, and vitamin D to levels found in cow's milk[5] S. 222 as passed by both chambers (enrolled) · Sec. 2(a)(1)(A) → inserted (ii)
A school that offers them this way no longer has to tell the state or wait for a written request first.
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Subparagraph (B)(ii) is not applicable to a school that offers nondairy beverages under subparagraph (A)(ii).[5] S. 222 as passed by both chambers (enrolled) · Sec. 2(a)(3) → inserted (E)The substitutions may be made if the school notifies the State agency that the school is implementing a variation allowed under this subparagraph, and if the substitution is requested by written statement[8] 42 U.S.C. 1758, U.S. Code 2024 edition (school lunch program requirements, before the Act) · (a)(2)(B)(ii)
If your child has a disability that limits what they eat, the school must give a milk substitute once it gets a note. The note must name the disability and the substitute.
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shall provide a substitute for fluid milk for students whose disability restricts their diet, on receipt of a written statement[8] 42 U.S.C. 1758, U.S. Code 2024 edition (school lunch program requirements, before the Act) · (a)(2)(A)(iii)that identifies the disability that restricts the student's diet and that specifies the substitute for fluid milk[8] 42 U.S.C. 1758, U.S. Code 2024 edition (school lunch program requirements, before the Act) · (a)(2)(A)(iii)
You can now write that note yourself. It no longer has to come from a doctor.
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in clause (iii), by striking physician and inserting physician, parent, or legal guardian[5] S. 222 as passed by both chambers (enrolled) · Sec. 2(a)(1)(B)

If you work in a school cafeteria

Your training must now cover food allergies

Your required training must include a module on food allergies.
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a training program carried out under this subparagraph shall include training modules on[12] 42 U.S.C. 1776, U.S. Code 2024 edition (State administrative expenses; training of school food service staff, before the Act) · (g)(2)(B)(iii)food allergies, including information on the best practices to prevent, recognize, and respond to food-related allergic reactions[5] S. 222 as passed by both chambers (enrolled) · Sec. 3(a)(2) → inserted (II)
It covers how to prevent, spot, and respond to allergic reactions to food.
5
the best practices to prevent, recognize, and respond to food-related allergic reactions[5] S. 222 as passed by both chambers (enrolled) · Sec. 3(a)(2) → inserted (II)
Each year, you must show you learned it, along with the other modules.
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local food service personnel shall complete annual training and receive annual certification[12] 42 U.S.C. 1776, U.S. Code 2024 edition (State administrative expenses; training of school food service staff, before the Act) · (g)(2)(B)(ii)is amended by striking clause (i) and inserting clauses (i) and (iii)[5] S. 222 as passed by both chambers (enrolled) · Sec. 3(b)

If you run a school meal program

Milk fat no longer counts against the fat limit

Fat from milk does not count as saturated fat when lunches are checked against USDA's limit.
5
Milk fat included in any fluid milk provided under subparagraph (A) shall not be considered saturated fat for purposes of measuring compliance with the allowable average saturated fat content of a meal[5] S. 222 as passed by both chambers (enrolled) · Sec. 2(a)(3) → inserted (D)
That limit says saturated fat must average less than 10 percent of the calories in meals.
14
Average saturated fat content of the meals offered to each age/grade group must be less than 10 percent of total calories[14] USDA Food and Nutrition Service final rule, Expanding Fluid Milk Options in Child Nutrition Programs, 91 Fed. Reg. 25073 (May 8, 2026) · Footnote 6
USDA's rule lets schools leave milk fat out of the count at breakfast too.
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SFAs participating in the NSLP and SBP may exclude the saturated fat from fluid milk when calculating the weekly average saturated fat requirement at lunch and breakfast.[14] USDA Food and Nutrition Service final rule, Expanding Fluid Milk Options in Child Nutrition Programs, 91 Fed. Reg. 25073 (May 8, 2026) · Section 2, Final Rule
Schools may not limit the sale or marketing of any listed milk or nondairy drink at school or at school events.
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shall not directly or indirectly restrict the sale or marketing of fluid milk products by the school (or by a person approved by the school) at any time or any place[8] 42 U.S.C. 1758, U.S. Code 2024 edition (school lunch program requirements, before the Act) · (a)(2)(C)by striking fluid milk products and inserting products described in subparagraph (A)(ii)[5] S. 222 as passed by both chambers (enrolled) · Sec. 2(a)(2)

Read the full breakdown of S. 222

S. 1071

National Defense Authorization Act for Fiscal Year 2026

Latest official action Dec 18, 2025 · Drafted by AI, awaiting review by two people

If you are a high school student or a parent of one

Recruiters get more access to schools

School districts that get federal school aid must give recruiters the same campus access as employers and colleges.
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Each local educational agency receiving assistance under the Elementary and Secondary Education Act of 1965—[23] 10 U.S.C. 503, U.S. Code 2024 edition (recruiting; access to schools) · (c)(1)(A)that is equivalent to access provided to such campus to a prospective employer of such students, an institution of higher education, or another recruiter[2] S. 1071 as passed by both chambers (enrolled) · Sec. 531 → inserted 10 U.S.C. 503(c)(1)(A)(i)(II)
This covers recruiting students who are at least 17.
2
for the purpose of recruiting students who are at least 17 years old[2] S. 1071 as passed by both chambers (enrolled) · Sec. 531 → inserted 10 U.S.C. 503(c)(1)(A)(i)
If recruiters ask, districts must allow at least one in-person event, such as a career fair, each school year.
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provide access to at least one in-person recruitment event (such as a career fair) per academic year[2] S. 1071 as passed by both chambers (enrolled) · Sec. 531 → inserted 10 U.S.C. 503(c)(1)(A)(ii)
Districts must share student names, addresses, emails, and phone numbers within 30 days of a request, down from 60 days.
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provide, not later than 30 days after receiving such request, access to secondary school student names, addresses[2] S. 1071 as passed by both chambers (enrolled) · Sec. 531 → inserted 10 U.S.C. 503(c)(1)(A)(iii)not later than 60 days after receiving such request[23] 10 U.S.C. 503, U.S. Code 2024 edition (recruiting; access to schools) · (c)(1)(A)(iii)
A parent or student can still ask that this information not be released without a parent's written consent.
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A local educational agency may not release a student's name, address, electronic mail address, and telephone listing under subparagraph (A)(iii) without the prior written consent of a parent of the student if the student, or a parent of the student, has submitted a request[23] 10 U.S.C. 503, U.S. Code 2024 edition (recruiting; access to schools) · (c)(1)(B)by striking clauses (i) through (iii) and inserting the following new clauses[2] S. 1071 as passed by both chambers (enrolled) · Sec. 531

Read the full breakdown of S. 1071

H.R. 2483

SUPPORT for Patients and Communities Reauthorization Act of 2025

Latest official action Dec 1, 2025 · Drafted by AI, awaiting review

If you are a parent or work with young people

Youth programs grow and add fentanyl warnings

Youth prevention and recovery grants are authorized at $10 million for fiscal year 2026, rising to $15 million for 2030.
2
$10,000,000 for fiscal year 2026;[2] Enrolled Bill · Sec. 304(7) → inserted (9)(A)$15,000,000 for fiscal year 2030.[2] Enrolled Bill · Sec. 304(7) → inserted (9)(E)
The yearly amounts in between are $12 million, $13 million, and $14 million.
2
$12,000,000 for fiscal year 2027;[2] Enrolled Bill · Sec. 304(7) → inserted (9)(B)$13,000,000 for fiscal year 2028;[2] Enrolled Bill · Sec. 304(7) → inserted (9)(C)$14,000,000 for fiscal year 2029; and[2] Enrolled Bill · Sec. 304(7) → inserted (9)(D)
These grants may now teach about the dangers of drugs laced with fentanyl.
2
which may include strategies to increase education and awareness of the potency and dangers of synthetic opioids (including drugs contaminated with fentanyl)[2] Enrolled Bill · Sec. 110(a)(1)
Groups of school districts can now apply together.
2
or a consortium of local educational agencies[2] Enrolled Bill · Sec. 304(1)(A)(i)(I)
A program for children and families after trauma is authorized at $98,887,000 a year for 2026 through 2028, and $100 million a year for 2029 and 2030.
2
$98,887,000 for fiscal year 2026;[2] Enrolled Bill · Sec. 107(b)(7) → inserted (j)(1)$98,887,000 for fiscal year 2028;[2] Enrolled Bill · Sec. 107(b)(7) → inserted (j)(3)$100,000,000 for fiscal year 2029; and[2] Enrolled Bill · Sec. 107(b)(7) → inserted (j)(4)$100,000,000 for fiscal year 2030.[2] Enrolled Bill · Sec. 107(b)(7) → inserted (j)(5)

Read the full breakdown of H.R. 2483

H.R. 998

Internal Revenue Service Math and Taxpayer Help Act

Latest official action Nov 25, 2025 · Drafted by AI, awaiting review

If you claim credits like the child tax credit or the earned income credit

Changes to your credits must be spelled out

The letter must show any change to refundable credits, including the child, education and earned income credits.
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an itemized computation of any direct or incidental adjustments to be made to the return in correction of the error[2] Enrolled Bill · Sec. 2(a)(3) → inserted (B)(i)(III)credits under section 24, 25A, 32, 35, or 36B[2] Enrolled Bill · Sec. 2(a)(3) → inserted (B)(i)(III)(ee)

Read the full breakdown of H.R. 998

H.R. 1

One Big Beautiful Bill Act

Latest official action Jul 4, 2025 · Drafted by AI, awaiting review by two people

If you have children

A bigger child credit and a new savings account for babies

The child tax credit rises from $2,000 to $2,200 per child, starting with tax years after December 31, 2024.
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in paragraph (2), by striking $2,000 and inserting $2,200, and[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70104(a)(2): in paragraph (2), by striking $2,000 and inserting $2,200, andThe amendments made by this section shall apply to taxable years beginning after December 31, 2024.[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70104(f)
After 2025, the $2,200 amount rises with inflation. The part paid as a refund is capped at $1,400, also adjusted for inflation.
6
In the case of a taxable year beginning after 2025, the $2,200 amount in subsection (h)(2) shall be increased by an amount equal to—[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70104(c) → inserted (i)(2)shall not exceed $1,400, and such subsection shall be applied without regard to paragraph (4) of this subsection.[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70104(d) → inserted (5)
You must list the child's Social Security number and your own. On a joint return, one spouse's number is enough.
6
the taxpayer's social security number (or, in the case of a joint return, the social security number of at least 1 spouse), and[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70104(b) → inserted (7)(A)(i)the social security number of such qualifying child.[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70104(b) → inserted (7)(A)(ii)
A number counts only if it was issued before the return is due, to a citizen or under a set Social Security rule.
6
to a citizen of the United States or pursuant to subclause (I)[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70104(b) → inserted (7)(B)(i)before the due date for such return.[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70104(b) → inserted (7)(B)(ii)
The credit still phases out above $400,000 of income for joint filers and $200,000 for others, and that rule no longer expires.
6,20
the threshold amount shall be $400,000 in the case of a joint return ($200,000 in any other case).[20] 26 U.S.C. 24, U.S. Code 2024 edition (child tax credit) · (h)(3)in paragraph (1), by striking , and before January 1, 2026,[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70104(a)(1): in paragraph (1), by striking , and before January 1, 2026,
For a U.S. citizen child born after December 31, 2024 and before January 1, 2029, a taxpayer whose qualifying child it is can choose to have the Treasury put $1,000 into the child's Trump account.
6
who is born after December 31, 2024, and before January 1, 2029,[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70204(d)(1) → inserted 6434(c)(1)who is a United States citizen.[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70204(d)(1) → inserted 6434(c)(3)the term eligible child means a qualifying child (as defined in section 152(c))[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70204(d)(1) → inserted 6434(c)In the case of an individual who makes an election under this section with respect to an eligible child of the individual[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70204(d)(1) → inserted 6434(a)in an amount equal to $1,000.[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70204(d)(1) → inserted 6434(a)The amount treated as a payment under subsection (a) shall be paid by the Secretary to the Trump account with respect to which such eligible child is the account beneficiary.[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70204(d)(1) → inserted 6434(b)
That choice needs the child's Social Security number.
6
This section shall not apply to any taxpayer unless such individual includes with the election made under this section the social security number of the eligible child with respect to whom the election is made.[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70204(d)(1) → inserted 6434(e)(1)
Up to $5,000 a year can be added, not counting the $1,000 and some other deposits; that limit rises with inflation after 2027. Up to $2,500 of the $5,000 can come tax-free from a parent's employer.
6
The aggregate amount of contributions (other than exempt contributions) for such calendar year shall not exceed $5,000.[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70204(a)(1) → inserted IX530A.(c)(2)(A)in an amount equal to $1,000.[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70204(d)(1) → inserted 6434(a)any contribution provided under section 6434.[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70204(a)(1) → inserted IX530A.(c)(2)(B)(iii)In the case of any taxable year after 2027, the $5,000 amount under subparagraph (A) shall be increased by an amount equal to—[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70204(a)(1) → inserted IX530A.(c)(2)(C)(i)The amount which may be excluded under subsection (a) with respect to any employee shall not exceed $2,500.[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70204(b)(1) → inserted 128(b)(1)as a contribution to the Trump account of such employee or of any dependent of such employee[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70204(b)(1) → inserted 128(a)
No money can go in until 12 months after the law was enacted. With narrow exceptions, none can come out before the year the child turns 18.
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No contribution will be accepted—[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70204(a)(1) → inserted IX530A.(b)(1)(C)(i)before the date that is 12 months after the date of the enactment of this section, or[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70204(a)(1) → inserted IX530A.(b)(1)(C)(i)(I)no distribution shall be allowed before the first day of the calendar year in which the account beneficiary attains age 18.[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70204(a)(1) → inserted IX530A.(d)(1)
Until then, the money must sit in low-cost funds that track a U.S. stock index, with fees no higher than 0.1 percent.
6
tracks the returns of a qualified index,[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70204(a)(1) → inserted IX530A.(b)(3)(A)(i)does not have annual fees and expenses of more than 0.1 percent of the balance of the investment in the fund, and[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70204(a)(1) → inserted IX530A.(b)(3)(A)(iii)which is comprised of equity investments in primarily United States companies, and[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 70204(a)(1) → inserted IX530A.(b)(3)(B)(ii)(I)

If you have or plan to take out federal student loans

New borrowing caps and a new repayment plan

Graduate PLUS loans end for loan periods starting on or after July 1, 2026, except for some students already enrolled.
6
for any period of instruction beginning on or after July 1, 2026, a graduate or professional student shall not be eligible to receive a Federal Direct PLUS Loan under this part.[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 81001(1)(C) → inserted (C)during the expected time to credential described in subparagraph (B)[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 81001(2) → inserted (8)(A)
Graduate students can then borrow up to $20,500 a year and $100,000 in total beyond undergraduate loans. Professional students can borrow up to $50,000 a year and $200,000 in total.
6
a graduate student, who is not a professional student, may borrow in any academic year or its equivalent shall be $20,500; and[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 81001(2) → inserted (4)(A)(i)who is not (and has not been) a professional student, may borrow for programs of study described in subparagraph (C)(i) shall be $100,000; or[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 81001(2) → inserted (4)(B)(i)(I)a professional student may borrow in any academic year or its equivalent shall be $50,000.[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 81001(2) → inserted (4)(A)(ii)who is not (and has not been) a graduate student, may borrow for programs of study described in subparagraph (C)(ii) shall be $200,000; or[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 81001(2) → inserted (4)(B)(ii)(I)
Parents can borrow up to $20,000 a year and $65,000 in total for each child.
6
may be borrowed on behalf of that dependent student by all parents of that dependent student shall be $20,000.[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 81001(2) → inserted (5)(A)may be borrowed on behalf of that dependent student by all parents of that dependent student shall be $65,000[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 81001(2) → inserted (5)(B)
Each student has a lifetime limit of $257,500.
6
shall be $257,500, without regard to any amounts repaid, forgiven, canceled, or otherwise discharged on any such loan.[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 81001(2) → inserted (6)
Students enrolled as of June 30, 2026 who have a loan for their program keep the old limits for up to three academic years.
6
during the expected time to credential described in subparagraph (B)[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 81001(2) → inserted (8)(A)with respect to an individual who, as of June 30, 2026—[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 81001(2) → inserted (8)(A)three academic years; or[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 81001(2) → inserted (8)(B)(i)
New loans from July 1, 2026 get two repayment choices: a fixed plan of 10 to 25 years, or the new Repayment Assistance Plan.
6
Beginning on July 1, 2026, the Secretary shall offer a borrower of a loan made under this part on or after such date (including such a borrower who also has a loan made under this part before such date) two plans for repayment[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 82001(b)(3) → inserted (7)(A)for a borrower with total outstanding principal of less than $25,000, a period of 10 years;[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 82001(b)(3) → inserted (7)(A)(i)(II)(aa)for a borrower with total outstanding principal of $100,000 or more, a period of 25 years; or[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 82001(b)(3) → inserted (7)(A)(i)(II)(dd)beginning on July 1, 2026, the Secretary shall carry out an income-based repayment plan (to be known as the Repayment Assistance Plan), that shall have the following terms and conditions:[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 82001(d) → inserted (q)(1)
Under that plan, payments are based on 1 to 10 percent of your adjusted gross income, minus $50 a month for each dependent, with a $10 monthly minimum.
6
more than $10,000 and not more than $20,000, is 1 percent of such adjusted gross income;[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 82001(d) → inserted (q)(4)(B)(iv)(II)more than $100,000, is 10 percent of such adjusted gross income.[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 82001(d) → inserted (q)(4)(B)(iv)(XI)In the case of a borrower with an applicable monthly payment amount calculated under clause (i) that is less than $10, the applicable monthly payment of the borrower shall be $10.[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 82001(d) → inserted (q)(4)(B)(ii)$50 for each dependent of the borrower[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 82001(d) → inserted (q)(4)(B)(i)(II)
Any balance left after 360 qualifying monthly payments is canceled.
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the date on which the borrower has made 360 qualifying monthly payments.[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 82001(d) → inserted (q)(1)(D)(ii)The Secretary shall cancel any outstanding balance of principal and interest due on a loan made under this part to a borrower—[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 82001(d) → inserted (q)(1)(E)
People in some current income-based plans must pick a new plan before July 1, 2028.
6
The Secretary of Education shall take such steps as may be necessary to ensure that before July 1, 2028, each borrower who has one or more loans that are in a repayment status in accordance with, or an administrative forbearance associated with, an income contingent repayment plan[6] H.R. 1 as passed by both chambers (enrolled) · Sec. 82001(a)(1)

Read the full breakdown of H.R. 1

S. 146

TAKE IT DOWN Act

Latest official action May 19, 2025 · Drafted by AI, awaiting review

If you are a parent

Posting images of a minor carries a longer sentence

Posting an intimate image of a child to abuse, humiliate, or harass them is a crime.
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abuse, humiliate, harass, or degrade the minor[4] S. 146 as passed by both chambers (enrolled) · Sec. 2(a)(2) → inserted (h)(2)(B)(i)
The maximum prison sentence is 3 years when the victim is a minor and 2 years when the victim is an adult.
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imprisoned not more than 3 years[4] S. 146 as passed by both chambers (enrolled) · Sec. 2(a)(2) → inserted (h)(4)(B)imprisoned not more than 2 years[4] S. 146 as passed by both chambers (enrolled) · Sec. 2(a)(2) → inserted (h)(4)(A)
Threatening to post a fake image of a child can bring up to 30 months in prison.
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imprisoned not more than 30 months[4] S. 146 as passed by both chambers (enrolled) · Sec. 2(a)(2) → inserted (h)(6)(B)(ii)

Read the full breakdown of S. 146

H.R. 579