Contact Congress about H.R. 4444: Student Loan Bankruptcy Improvement Act of 2025

This bill removes the word "undue" from the bankruptcy code's student loan hardship test. That one-word change could make it significantly easier for struggling borrowers to discharge student loans in court. The new rule would apply to past, current, and future bankruptcy cases.

Modern Action explains what the legislation does, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.

Student Loan Bankruptcy Improvement Act of 2025 is a House bill in committee. The latest recorded action: Referred to the House Committee on the Judiciary.

Latest action on H.R. 4444: Referred to the House Committee on the Judiciary.

Who this affects: This bill most directly affects the millions of Americans carrying student loan debt who are struggling to repay, especially those considering bankruptcy. It also affects bankruptcy courts, lenders, and taxpayers who ultimately bear the cost of discharged federal student loans.

Why this matters: Student loan debt affects about 43 million Americans, and the current bankruptcy standard is so strict that almost no one can use it. About six million borrowers are already seriously behind on payments, and millions more could default soon. This bill could give struggling borrowers a real option for relief — or, depending on your view, could shift costs to taxpayers and weaken repayment incentives.

Key provisions in H.R. 4444

• Changes the bankruptcy standard for student loan discharge from "undue hardship" to "hardship" by removing one word from 11 U.S.C. § 523(a)(8).
• Does not define "hardship" in the law, giving bankruptcy judges more flexibility to create or adjust the tests they use.
• Leaves other bankruptcy protections untouched — means testing, disclosure rules, and exemption limits all remain in effect.
• Applies retroactively to bankruptcy cases started before, on, and after the bill becomes law, covering both pending and future cases.
• Congressional findings highlight that almost no borrowers currently succeed in discharging student loans and that most courts rely on the strict Brunner test, which was created by judges, not written into law.

How Modern Action helps you take action on H.R. 4444

You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.

Questions people ask about H.R. 4444

What is H.R. 4444?

This bill removes the word "undue" from the bankruptcy code's student loan hardship test. That one-word change could make it significantly easier for struggling borrowers to discharge student loans in court. The new rule would apply to past, current, and future bankruptcy cases.

How do I support or oppose H.R. 4444?

Choose support, oppose, or ask for changes on Modern Action. The action flow drafts the message for you and keeps the wording tied to this bill.

Who should I contact about H.R. 4444?

Modern Action uses your location to route the action to the congressional offices relevant to the bill and your representation.

How does Modern Action help me act on H.R. 4444?

Modern Action gives you bill-specific context, lets you choose support, opposition, or changes, and drafts a message from your position and reasons.