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119th Congress · S. 4097 · Introduced

State-Based Education Loan Awareness Act

This bill excludes certain arrangements or agreements regarding education loans from the definition of a preferred lender arrangement . A preferred lender arrangement is an arrangement or agreement between a lender and an institution of higher education (IHE) that receives federal funding or assistance (1) under which a lender issues education loans to students attending the IHE; and (2) that relates to the IHE recommending, promoting, or endorsing the education loan products of the lender. The bill provides that arrangements or agreements made under a state-based education loan program do not meet the definition of a preferred lender agreement for purposes of certain required disclosures to student borrowers.

Full bill text →

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SubjectsGovernment lending and loan guaranteesHigher educationInterest, dividends, interest ratesState and local government operationsStudent aid and college costs

XML scalars

congress
119
type
S
number
4097
originChamber
Senate
originChamberCode
S
introducedDate
2026-03-16
updateDate
2026-10-05T18:35:22Z
updateDateIncludingText
2026-10-05T18:35:22Z
title
State-Based Education Loan Awareness Act
legislationUrl
https://www.congress.gov/bill/119th-congress/senate-bill/4097

Constitutional authority statement (CDATA)

null

Pipeline

Track
federal_presidential
Stage
Introduced
Stage rank
3

Sponsor

  • Sen. Murkowski, Lisa [R-AK] · [R-AK] · M001153
    Rep-AK current · 5 terms · @LisaMurkowski · 6 district offices

Sponsor record (congress_legislators)

Bio (legislators)

bioguide
M001153
status
current
official_full
Lisa Murkowski
first
Lisa
middle
A.
last
Murkowski
suffix
null
nickname
null
birthday
1957-05-22
gender
F

Current term (5 total)

type
sen
state
AK
district
null
class
3
party
Republican
caucus
null
start
2023-01-03
end
2029-01-03
end_type
null
how
null
url
https://www.murkowski.senate.gov
address
522 Hart Senate Office Building Washington DC 20510
office
522 Hart Senate Office Building
phone
202-224-6665
fax
null
contact_form
https://www.murkowski.senate.gov/public/index.cfm/contact
rss_url
http://www.murkowski.senate.gov/public/?a=rss.feed

Leadership roles (0)

none

Committee memberships (14)

  • Commerce, Justice, Science, and Related Agencies (senate) · senate · rank 2
  • Department of Defense (senate) · senate · rank 3
  • Department of Homeland Security (senate) · senate · rank 2
  • Department of Interior, Environment, and Related Agencies (senate) · senate · Chairman · rank 1
  • Education and the American Family (senate) · senate · rank 3
  • Energy and Water Development (senate) · senate · rank 3
  • Military Construction, Veterans Affairs, and Related Agencies (senate) · senate · rank 3
  • National Parks (senate) · senate · rank 4
  • Primary Health and Retirement Security (senate) · senate · rank 4
  • Public Lands, Forests, and Mining (senate) · senate · rank 7
  • Senate Committee on Appropriations (senate) · senate · rank 3 · site
  • Senate Committee on Energy and Natural Resources (senate) · senate · rank 10 · site
  • Senate Committee on Health, Education, Labor, and Pensions (senate) · senate · rank 4 · site
  • Senate Committee on Indian Affairs (senate) · senate · Chairman · rank 1 · site

Social media

District offices (6)

  • 510 L St., Suite 600, Anchorage, AK, 99501 · 907-271-3735 · fax 877-857-0322 · 61.2171561,-149.9043364
  • 800 Glacier Ave., Suite 101, Juneau, AK, 99801 · 907-586-7277 · fax 907-586-7201 · 58.30033239999999,-134.4205554
  • 1900 First Ave., Suite 225, Ketchikan, AK, 99901 · 907-225-6880 · fax 907-225-0390 · 55.3492023,-131.6673863
  • 44539 Sterling Hwy., Suite 203, Soldotna, AK, 99669 · 907-262-4220 · fax 907-283-4363 · 60.4804766,-151.0725394
  • 851 E. Westpoint Dr., Suite 307, Wasilla, AK, 99654 · 907-376-7665 · fax 907-376-8526 · 61.5826697,-149.4286826
  • 101 12th Avenue, Suite 172, Fairbanks Federal Building, Fairbanks, AK, 99701 · 907-456-0233 · fax 877-857-0322 · 64.8379085,-147.7070967

Other names (0)

none

Sponsor FEC record (fec_live)

Candidate record (candidates) · cycle 2026

candidate_id
S4AK00099
cycle
2026
name
MURKOWSKI, LISA
party
REPUBLICAN PARTY
office
Senate
state
AK
district
00
incumbent_challenge
Incumbent
candidate_status
C
active_through
2028
election_year
null
first_file_date
2003-01-22
last_file_date
2024-11-01
last_f2_date
2024-11-01
address
null

Candidate summary (candidate_summaries) · cycle 2022

cycle
2022
total_receipts
$11,296,272.58
total_disbursements
$10,729,705.22
cash_on_hand_end_period
$657,686.46
debts_owed_by_committee
$0.00
coverage_start_date
2017-01-01
coverage_end_date
2022-12-31

Connected committees (0)

none

Cosponsors (6)

  • Sen. Reed, Jack [D-RI] · [D-RI] · R000122 · Co-sponsored 2026-03-16 · original
    Dem-RI current · 8 terms · @SenJackReed · 2 district offices
  • Sen. Cassidy, Bill [R-LA] · [R-LA] · C001075 · Co-sponsored 2026-03-16 · original
    Rep-LA current · 5 terms · @SenBillCassidy · 7 district offices
  • Sen. Shaheen, Jeanne [D-NH] · [D-NH] · S001181 · Co-sponsored 2026-03-16 · original
    Dem-NH current · 3 terms · @SenatorShaheen · 6 district offices
  • Sen. Sullivan, Dan [R-AK] · [R-AK] · S001198 · Co-sponsored 2026-03-25
    Rep-AK current · 2 terms · @SenDanSullivan · 6 district offices
  • Sen. Lankford, James [R-OK] · [R-OK] · L000575 · Co-sponsored 2026-04-14
    Rep-OK current · 5 terms · @SenatorLankford · 2 district offices
  • Sen. Grassley, Chuck [R-IA] · [R-IA] · G000386 · Co-sponsored 2026-05-21
    Rep-IA current · 11 terms · @ChuckGrassley · 6 district offices

Committees (1)

  • Health, Education, Labor, and Pensions Committee [Senate Standing]
    2026-08-04T20:35:36ZReported By
    2026-07-30T16:27:52ZMarkup By
    2026-03-19T14:01:20ZHearings By (full committee)
    2026-03-16T19:39:11ZReferred To

Actions — from XML (7)

  • 2026-08-04Calendarsvia Senate
    Placed on Senate Legislative Calendar under General Orders. Calendar No. 539.
  • 2026-08-04Committeevia Senate
    Committee on Health, Education, Labor, and Pensions. Reported by Senator Cassidy with an amendment in the nature of a substitute. Without written report.
  • 2026-08-04Committee14000via Library of Congress
    Committee on Health, Education, Labor, and Pensions. Reported by Senator Cassidy with an amendment in the nature of a substitute. Without written report.
  • 2026-07-30Committeevia Senate
    Committee on Health, Education, Labor, and Pensions. Ordered to be reported with an amendment in the nature of a substitute favorably.
  • 2026-03-19Committeevia Senate
    Committee on Health, Education, Labor, and Pensions. Hearings held.
  • 2026-03-16IntroReferralvia Senate
    Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
  • 2026-03-16IntroReferral10000via Library of Congress
    Introduced in Senate

Actions — from bill_actions table (0)

none

Titles

  • Short Title(s) as Reported to SenateRSS2026-08-07T02:38:48Z
    State-Based Education Loan Awareness Act
  • Display Title2026-08-05T11:03:20Z
    State-Based Education Loan Awareness Act
  • Official Title as IntroducedIS2026-03-24T05:18:25Z
    A bill to establish that a State-based education loan program is excluded from certain requirements relating to a preferred lender arrangement.
  • Short Title(s) as IntroducedIS2026-03-24T05:08:18Z
    State-Based Education Loan Awareness Act

Text versions (from XML)

Versions — from bill_versions table (0)

none

Policy area

Education

Summaries

00 · 2026-03-16 · Introduced in Senate

State-Based Education Loan Awareness Act

This bill excludes certain arrangements or agreements regarding education loans from the definition of a preferred lender arrangement.

A preferred lender arrangement is an arrangement or agreement between a lender and an institution of higher education (IHE) that receives federal funding or assistance (1) under which a lender issues education loans to students attending the IHE; and (2) that relates to the IHE recommending, promoting, or endorsing the education loan products of the lender.

The bill provides that arrangements or agreements made under a state-based education loan program do not meet the definition of a preferred lender agreement for purposes of certain required disclosures to student borrowers.

Related bills

none

Amendments (0)

none

Laws

none

Committee reports

none

Calendar number

null

CBO cost estimates

  • S. 4097, State-Based Education Loan Awareness Act2026-10-05T18:30:00Z
    As reported by the Senate Committee on Health, Education, Labor and Pensions on August 4, 2026

Latest action

Date
2026-08-04
Text
Placed on Senate Legislative Calendar under General Orders. Calendar No. 539.
Time
null

Dublin Core

format
text/xml
language
EN
rights
Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
contributor
Congressional Research Service, Library of Congress
description
This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.

Row fields (debug)

id
12219
congress
119
bill_type
s
bill_number
4097
bill_slug
s-4097-119
title
State-Based Education Loan Awareness Act
short_title
State-Based Education Loan Awareness Act
sponsor_bioguide_id
M001153
sponsor_name
Sen. Murkowski, Lisa [R-AK]
sponsor_party
R
sponsor_state
AK
introduced_date
2026-03-16
latest_action_date
2026-08-04
latest_action_text
Placed on Senate Legislative Calendar under General Orders. Calendar No. 539.
status
null
policy_area
Education
subjects_json
[
  "Government lending and loan guarantees",
  "Higher education",
  "Interest, dividends, interest rates",
  "State and local government operations",
  "Student aid and college costs"
]
govinfo_billstatus_path
BILLSTATUS-119s4097
raw_billstatus_xml
<?xml version="1.0" encoding="utf-8" standalone="no"?> <billStatus> <version>3.0.0</version> <bill> <number>4097</number> <updateDate>2026-10-05T18:35:22Z</updateDate> <updateDateIncludingText>2026-10-05T18:35:22Z</updateDateIncludingText> <originChamber>Senate</originChamber> <originChamberCode>S</originChamberCode> <type>S</type> <introducedDate>2026-03-16</int…
summary_lede
This bill excludes certain arrangements or agreements regarding education loans from the definition of a preferred lender arrangement . A preferred lender arrangement is an arrangement or agreement between a lender and an institution of higher education (IHE) that receives federal funding or assistance (1) under which a lender issues education loans to students attending the IHE; and (2) that r…
topic_primary
education
topic_secondary_json
[]
action_family
introduced_only
response_available
0
response_type
null
response_deadline
null
importance_score
null
consequence_score
null
urgency_score
null
overall_score
null
in_canopy
0
canopy_expires_at
null
pipeline_track
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pipeline_stage
introduced
pipeline_stage_rank
3
stable_action_id
s-4097-119
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federal
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open
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null
content_hash
006760f9bd7df782dca127b71b16dc45de0e8a00c3fddf6ec533ccf74c762103
anchored_at
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api_fill
first_seen_at
2026-04-20T08:15:57.988066+00:00
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⎔ AnchoredPride costs us more than hunger, thirst, and cold.Epoch 2026-Q4