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United States · Bill · HR

H.R. 4984 (113th)

Empowering Students Through Enhanced Financial Counseling Act

referredUnited States· United States Congress· EN

Introduced

26 June 2014

Last action

28 July 2014 · Introduced

Status

Received in the Senate and Read twice and referred to the Committee on Health, Education, Labor, and Pensions.

Sponsors

Rep. Guthrie, Brett [R-KY-2], Rep. Hudson, Richard [R-NC-8], Rep. Kline, John [R-MN-2], Rep. Kelly, Mike [R-PA-16], Rep. Roe, David P. [R-TN-1], Rep. Brooks, Susan W. [R-IN-5], Rep. Thompson, Glenn [R-PA-15], Rep. Rokita, Todd [R-IN-4], Rep. Heck, Joseph J. [R-NV-3], Rep. Bucshon, Larry [R-IN-8], Rep. Messer, Luke [R-IN-6], Sen. Capito, Shelley Moore [R-WV], Rep. Rothfus, Keith J. [R-PA-12], Rep. Bonamici, Suzanne [D-OR-1], Rep. Royce, Edward R. [R-CA-39], Del. Sablan, Gregorio Kilili Camacho [D-MP-At Large], Rep. King, Peter T. [R-NY-2], Rep. Miller, George [D-CA-11]

Subjects

Education, Budget

Source updated

21 July 2025

Education · Budget

Official sourceDownload fileView documentsShare

Summary

Empowering Students Through Enhanced Financial Counseling Act - Amends title IV (Student Assistance) of the Higher Education Act of 1965 to require institutions of higher education (IHEs) to provide annual (currently, entrance) counseling to student borrowers under the William D. Ford Federal Direct Loan program, beginning at or prior to the student's acceptance of the loan. Requires that counseling to be conducted in person, online, or through the use of an online counseling tool maintained by the Secretary of Education. Adds to the information such counseling shall provide: an explanation that the borrower is not required to accept the full amount of the loan; an explanation that the borrower should consider accepting any grant, scholarship, or state or federal work-study jobs for which the borrower is eligible before accepting federal student loans; a recommendation to exhaust the borrower's federal student loan options prior to taking out private loans which may not offer as favorable terms and repayment options as federal student loans; an explanation of the educational expenses Direct Loans cover; information on the annual and aggregate limits on such loans; and information regarding the borrower's outstanding balance and anticipated monthly payment amount. Requires the exit counseling IHEs provide to student borrowers of loans under the Federal Family Education Loan (FFEL), Direct Loan, and Federal Perkins Loan programs to be conducted through: (1) the use of an interactive program, (2) during an in-person or online session, or (3) through the use of an online counseling tool maintained by the Secretary. Adds to the information such counseling shall provide: the outstanding principal and interest due on the loans; an explanation of the grace period preceding repayment and the expected date the borrower will enter repayment; an explanation that the borrower has the option to pay any interest that accrued while the borrower was in school or that may accrue during grace, deferment, or forbearance periods, prior to the capitalization of the interest; information showing the borrower's anticipated monthly payments under different repayment plans; and contact information for the loan servicer and a link to such servicer's website. Requires IHEs to provide annual counseling to Federal Pell Grant recipients that is conducted in person, online, or through the use of an online counseling tool maintained by the Secretary. Requires such counseling to include an explanation of: the Pell Grant; the educational expenses such Grants cover; why the student may have to repay the Grant; the maximum number of semesters or equivalent periods for which the student may be eligible for the Grant and the amount of time remaining on such eligibility; how the student may budget for typical educational expenses; and how the student may seek additional financial assistance from the IHE's financial aid office due to changes in the student's financial circumstances, including contact information for that office. Directs the Secretary to maintain consumer tested online counseling tools that provide recipients of assistance under title IV with the annual counseling and exit counseling this Act requires.

This text is taken from the official record. PoliticalRepo does not editorialize.

Timeline

  1. 26 June 2014

    Introduced

    Referred to the House Committee on Education and the Workforce.

    Source: IntroReferral

  2. 26 June 2014

    Introduced

    Introduced in House

    Source: IntroReferral

  3. 26 June 2014

    Introduced

    Introduced in House

    Source: IntroReferral

  4. 10 July 2014

    Reported

    Ordered to be Reported by Voice Vote.

    Source: Committee

  5. 10 July 2014

    Committee

    Committee Consideration and Mark-up Session Held.

    Source: Committee

  6. 17 July 2014

    Calendars

    Placed on the Union Calendar, Calendar No. 397.

    Source: Calendars

  7. 17 July 2014

    Reported

    Reported (Amended) by the Committee on Education and the Workforce. H. Rept. 113-531.

    Source: Committee

  8. 17 July 2014

    Reported

    Reported (Amended) by the Committee on Education and the Workforce. H. Rept. 113-531.

    Source: Committee

  9. 22 July 2014

    Reported

    Rules Committee Resolution H. Res. 677 Reported to House. The rules provides a structured rule for H.R. 3136 and H.R. 4984. Both bills are debatable for one hour with or without instructions.

    Source: Floor

  10. 23 July 2014

    Passed

    Rule H. Res. 677 passed House.

    Source: Floor

  11. 24 July 2014

    Passed

    Motion to reconsider laid on the table Agreed to without objection.

    Source: Floor

  12. 24 July 2014

    Vote

    On passage Passed by recorded vote: 405 - 11 (Roll no. 446).

    Source: Floor

  13. 24 July 2014

    Vote

    Passed/agreed to in House: On passage Passed by recorded vote: 405 - 11 (Roll no. 446).

    Source: Floor

  14. 24 July 2014

    Vote

    On motion to recommit with instructions Failed by recorded vote: 193 - 220 (Roll no. 445).

    Source: Floor

  15. 24 July 2014

    Floor

    The previous question on the motion to recommit with instructions was ordered without objection. (consideration: CR H6777)

    Source: Floor

  16. 24 July 2014

    Floor

    Mr. Tierney moved to recommit with instructions to the Committee on Education and the Workforce. (consideration: CR H6776-6777; text: CR H6776)

    Source: Floor

  17. 24 July 2014

    Passed

    The House adopted the amendment in the nature of a substitute as agreed to by the Committee of the Whole House on the state of the Union. (text of amendment in the nature of a substitute: CR H6761-6763)

    Source: Floor

  18. 24 July 2014

    Floor

    The previous question was ordered pursuant to the rule. (consideration: CR H6776)

    Source: Floor

  19. 24 July 2014

    Floor

    The House rose from the Committee of the Whole House on the state of the Union to report H.R. 4984.

    Source: Floor

  20. 24 July 2014

    Floor

    The House resolved into Committee of the Whole House on the state of the Union for further consideration.

    Source: Floor

  21. 24 July 2014

    Floor

    Committee of the Whole House on the state of the Union rises leaving H.R. 4984 as unfinished business.

    Source: Floor

  22. 24 July 2014

    Passed

    On motion that the Committee rise Agreed to by voice vote.

    Source: Floor

  23. 24 July 2014

    Floor

    Mr. Kline moved that the Committee rise.

    Source: Floor

  24. 24 July 2014

    Floor

    GENERAL DEBATE - The Committee of the Whole proceeded with one hour of general debate on H.R. 4984.

    Source: Floor

  25. 24 July 2014

    Floor

    The Speaker designated the Honorable Diane Black to act as Chairwoman of the Committee.

    Source: Floor

  26. 24 July 2014

    Floor

    House resolved itself into the Committee of the Whole House on the state of the Union pursuant to H. Res. 677 and Rule XVIII.

    Source: Floor

  27. 24 July 2014

    Floor

    Considered under the provisions of rule H. Res. 677. (consideration: CR H6758-6767)

    Source: Floor

  28. 28 July 2014

    Introduced

    Received in the Senate and Read twice and referred to the Committee on Health, Education, Labor, and Pensions.

    Source: IntroReferral

Votes

No vote records are attached yet.

Versions

Documents

11 official files

Referred in Senate (text)

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  • Referred in Senate (text)

    Referred in Senate · EN · 28 July 2014

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  • Referred in Senate (PDF)

    Referred in Senate · EN · 28 July 2014

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  • Engrossed in House (text)

    Engrossed in House · EN · 24 July 2014

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  • Engrossed in House (PDF)

    Engrossed in House · EN · 24 July 2014

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  • Passed House amended

    summary · EN · 24 July 2014

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  • Reported in House (text)

    Reported in House · EN · 17 July 2014

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  • Reported in House (PDF)

    Reported in House · EN · 17 July 2014

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  • Reported to House with amendment(s)

    summary · EN · 17 July 2014

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  • Introduced in House (text)

    Introduced in House · EN · 26 June 2014

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  • Introduced in House (PDF)

    Introduced in House · EN · 26 June 2014

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  • Introduced in House

    summary · EN · 26 June 2014

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Sponsors

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Sources

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