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H.R. 4600 117th Congress House

Responsible Borrowing Act of 2021

Official title: To amend the Higher Education Act of 1965 to authorize institutions of higher education to limit the amount of a Federal loan that an enrolled student may borrow.

Introduced: July 21, 2021 Introduced by: Glenn Grothman Republican · Wisconsin See on congress.gov
Education
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This bill died when the 117th Congress ended
It never became law before the 117th Congress (2021–2022) 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
Jul 21, 2021
Referred to the House Committee on Education and Labor.
Jul 21, 2021
Introduced in House
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 Latest action July 21, 2021

Referred to the House Committee on Education and Labor.

 Plain-English summary Congressional Research Service

Responsible Borrowing Act of 2021

This bill authorizes institutions of higher education (IHEs) to prorate or limit the amount of a Federal Direct Loan that an enrolled student may borrow for an academic year.

The bill specifies the factors that an IHE may use to limit these loans. These factors include the average starting salary for typical occupations pursued by graduates of the program, the enrollment status of the student (i.e., full- or part-time enrollment), the credential level of the program (e.g., degree or certificate), and the year of the program for which the student is seeking the loan.

Upon request of a student whose loan has been prorated or limited, an IHE may increase the amount of the loan within otherwise applicable limits if the student demonstrates special circumstances or exceptional need.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
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APA
U.S. Congress. (2026). H.R. 4600: Responsible Borrowing Act of 2021. 117th Congress. Open America. https://openamerica.io/bill/117-HR-4600/
MLA
"H.R. 4600: Responsible Borrowing Act of 2021." 117th Congress, 2026, Open America, https://openamerica.io/bill/117-HR-4600/.
Bluebook (legal)
H.R. 4600, 117th Cong. (2026), https://openamerica.io/bill/117-HR-4600/.
Markdown link
[H.R. 4600: Responsible Borrowing Act of 2021](https://openamerica.io/bill/117-HR-4600/)
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