I 
119TH CONGRESS 
1ST SESSION H. R. 6224 
To amend the Servicemembers Civil Relief Act to extend the interest rate 
limitation on debt entered into during military service to debt incurred 
during military service to consolidate or refinance student loans incurred 
before military service, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
NOVEMBER 20, 2025 
Mrs. RAMIREZ (for herself, Ms. BONAMICI, Mr. LEVIN, Ms. MCCLELLAN, Ms. 
TLAIB, Ms. SALINAS, Mr. HORSFORD, Mr. DAVIS of Illinois, Ms. NOR-
TON, and Mr. GARCI´A of Illinois) introduced the following bill; which was 
referred to the Committee on Veterans’ Affairs 
A BILL 
To amend the Servicemembers Civil Relief Act to extend 
the interest rate limitation on debt entered into during 
military service to debt incurred during military service 
to consolidate or refinance student loans incurred before 
military service, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Servicemember Stu-
dent Loan Affordability Act of 2025’’. 
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SEC. 2. INTEREST RATE LIMITATION ON DEBT ENTERED 
INTO DURING MILITARY SERVICE TO CON-
SOLIDATE OR REFINANCE STUDENT LOANS 
INCURRED BEFORE MILITARY SERVICE. 
(a) IN GENERAL.—Subsection (a) of section 207 of 
the Servicemembers Civil Relief Act (50 U.S.C. 3937) is 
amended— 
(1) in paragraph (1), by inserting ‘‘ON DEBT 
INCURRED BEFORE SERVICE’’ after ‘‘LIMITATION TO 
6 PERCENT’’; 
(2) by redesignating paragraphs (2) and (3) as 
paragraphs (3) and (4), respectively; 
(3) by inserting after paragraph (1) the fol-
lowing new paragraph (2): 
‘‘(2) LIMITATION TO 6 PERCENT ON DEBT IN-
CURRED
DURING
MILITARY
SERVICE
TO
CONSOLI-
DATE
OR
REFINANCE
STUDENT
LOANS
INCURRED 
BEFORE MILITARY SERVICE.— 
‘‘(A) IN
GENERAL.—Subject to subpara-
graph (B), an obligation or liability bearing in-
terest at a rate in excess of 6 percent per year 
that is incurred by a servicemember, or the 
servicemember and the servicemember’s spouse 
jointly, during military service to consolidate or 
refinance one or more student loans incurred by 
the servicemember before such military service 
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shall not bear an interest at a rate in excess of 
6 percent during the period of military service. 
‘‘(B) 
LIMITATION.—Subparagraph 
(A) 
shall apply only to the consolidation or refi-
nancing of student loans described in such sub-
paragraph and shall not apply to the consolida-
tion or refinancing of any other obligation or li-
ability.’’; 
(4) in paragraph (3), as redesignated by para-
graph (2) of this subsection, by inserting ‘‘or (2)’’ 
after ‘‘paragraph (1)’’; and 
(5) in paragraph (4), as so redesignated, by 
striking ‘‘paragraph (2)’’ and inserting ‘‘paragraph 
(3)’’. 
(b) IMPLEMENTATION OF LIMITATION.—Subsection 
(b) of such section is amended— 
(1) in paragraph (1)(A), by striking ‘‘the inter-
est rate limitation in subsection (a)’’ and inserting 
‘‘an interest rate limitation in paragraph (1) or (2) 
of subsection (a)’’; and 
(2) in paragraph (2)— 
(A) in the paragraph heading, by striking 
‘‘EFFECTIVE AS OF DATE OF ORDER TO ACTIVE 
DUTY’’ and inserting ‘‘EFFECTIVE DATE’’; and 
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(B) by inserting before the period at the 
end the following: ‘‘in the case of an obligation 
or liability covered by subsection (a)(1), or as of 
the date the servicemember (or servicemember 
and spouse jointly) incurs the obligation or li-
ability concerned under subsection (a)(2)’’. 
(c) STUDENT LOAN DEFINED.—Subsection (d) of 
such section is amended by adding at the end the following 
new paragraph: 
‘‘(3) STUDENT LOAN.—The term ‘student loan’ 
means— 
‘‘(A) a Federal student loan made, insured, 
or guaranteed under title IV of the Higher 
Education Act of 1965 (20 U.S.C. 1070 et 
seq.); or 
‘‘(B) a private education loan as that term 
is defined in section 140(a) of the Truth in 
Lending Act (15 U.S.C. 1650(a)).’’. 
Æ 
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