Thank you for the kind words and thoughtful comments!

I think you are right about both of those bills dying in committee. Throughout the year, there are a lot of student loan related bills that never make it out of committee. I tend not to cover these items because I don’t want to unnecessarily got borrowers’ hopes up or unnecessarily anger people. If one of these bills gets traction, I’ll add it to the article.

As for the insolvency issue, you are absolutely right. In some cases, it could make a huge difference. Hopefully, it never reaches that point. That said, I think it would be a mistake for borrowers to assume that they will be insolvent a decade into the future. I still think planning ahead for a tax bill is the best approach until the tax bomb officially gets eliminated.

I don’t know how the age of these bills affects their viability, I’m sure a bill takes a long time to make it’s way through both branches of congress and is rewritten many times. I think 2026 might be too soon to hope, especially with an election year coming up. I would also be amazed if their was enough bipartisan-ship to pass any such bill, the 2025 one only passed because of COVID.

Another good topic for you to address is insolvency or partial insolvency that the IRS allows, that might soften the blow for some.

As someone in this same exact situation I’ll definitely keep my fingers crossed!