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H.R. 4590 116th Congress House

End Capitalization for Struggling Borrowers Act

Official title: To amend the Higher Education Act of 1965 to terminate capitalization of interest after forbearance and certain deferment periods.

Introduced: October 1, 2019 Introduced by: Danny K. Davis Democratic · Illinois See on congress.gov
Education Government lending and loan guaranteesHigher educationInterest, dividends, interest ratesStudent aid and college costs
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This bill died when the 116th Congress ended
It never became law before the 116th Congress (2019–2020) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Oct 1, 2019
Referred to the House Committee on Education and Labor.
Oct 1, 2019
Introduced in House
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 Latest action October 1, 2019

Referred to the House Committee on Education and Labor.

 Plain-English summary Congressional Research Service

End Capitalization for Struggling Borrowers Act

This bill prohibits the capitalization of interest on a student loan balance after forbearance or certain deferment periods. Capitalization occurs when the interest accrued on a student loan during a period of deferment or forbearance is added to the principal amount of the loan at the expiration of such period.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 2
All 2 Democratic 1
D
Casten, Sean
Illinois · Oct 1, 2019
Spanberger, Abigail
· Oct 1, 2019
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 4590: End Capitalization for Struggling Borrowers Act. 116th Congress. Open America. https://openamerica.io/bill/116-HR-4590/
MLA
"H.R. 4590: End Capitalization for Struggling Borrowers Act." 116th Congress, 2026, Open America, https://openamerica.io/bill/116-HR-4590/.
Bluebook (legal)
H.R. 4590, 116th Cong. (2026), https://openamerica.io/bill/116-HR-4590/.
Markdown link
[H.R. 4590: End Capitalization for Struggling Borrowers Act](https://openamerica.io/bill/116-HR-4590/)
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