Married couples with student loans could each get their own $2,500 student loan interest deduction limit. The change would start with tax years after 2026.
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 Marriage Penalty Elimination Act of 2026 is a Senate bill in committee. The latest recorded action: Read twice and referred to the Committee on Finance.
Latest action on S. 4119: Read twice and referred to the Committee on Finance.
Who this affects: This bill mainly affects married couples where both spouses have student loans and file one tax return together. Each spouse could count interest from their own loans toward a separate $2,500 limit. It could also affect tax preparers and people who plan their taxes around student loan interest. Single taxpayers would see little or no change because the $2,500 limit itself stays the same.
Why this matters: This matters because some married couples with two sets of student loans may get less tax help than they would if each person had a separate limit. The bill would let each spouse use a full $2,500 limit for that spouse’s own qualifying loan interest. That could lower taxes for some couples with student debt. The bill may also reduce federal tax revenue, but the source does not say by how much.
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Officially: Student Loan Marriage Penalty Elimination Act of 2026
Married couples with student loans could each get their own $2,500 student loan interest deduction limit. The change would start with tax years after 2026.
Use this page to support, oppose, or ask Congress to amend S4119. Modern Action explains what the bill does, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in Finance
No vote scheduled. Constituent contact is what moves bills out of committee.
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Where this bill is in the process
Introduced
Introduced in Senate
Senate Committee
Under Senate committee consideration
Latest: Read twice and referred to the Committee on Finance. (3/17/2026)
Senate Floor Vote
Voted on by Senate
Passed Senate
Approved by Senate
House Review
Sent to House for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
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This page gives you an opportunity to support, oppose, or ask for changes to Student Loan Marriage Penalty Elimination Act of 2026, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it does, where it is in the process (committee), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around S4119, your stance, and the reasons you choose, then lets you edit and send when ready.
