S. 1098: Joint Consolidation Loan Separation Act

117th Congress · introduced 2021-04-13 · Education · Latest: Became Public Law No: 117-200.

federal

Follow this bill, step by step

Where it came from: introduced 2021-04-13 · official record
Who proposed it: Sen. Warner, Mark R. [D-VA] · what a sponsor is
What happened next: 2 recorded votes in our records. Latest: House roll call 447 (2022): On Motion to Commit, S1098 (2022-09-21), Failed. See all
Where it stands now: Became Public Law No: 117-200. (final step reached)
If it becomes law and spends money: follow the money to money laws, then agencies and contracts and grants.

What does this mean?

Official title

Joint Consolidation Loan Separation Act

Plain summary

Joint Consolidation Loan Separation Act This act allows two borrowers, who had previously received a joint consolidation loan for their federal student loan debt, to submit a joint application to the Department of Education to sever their consolidated loan into two separate loans. One borrower may submit a separate application in the event that the individual has experienced domestic or economic abuse from the other individual borrower or is unable to reasonably reach or access the loan information of the other borrower. In the case of a borrower who receives a separate consolidation loan due to those circumstances, the other individual borrower must become solely liable for the remaining balance of the joint consolidation loan.

Congressional Research Service summary (Public Law), quoted unchanged (nonpartisan). Read the source.

What a vote does

A “Yea” vote

If it passes both chambers and is signed, it becomes law.

A “Nay” vote

If it is not passed, current law stays as it is.

PSI Sci description of the legislative step (not an opinion).

What does this mean? (plain words)

Official text

Joint Consolidation Loan Separation Act

Source: Congressional Research Service summary (Public Law)

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The strongest published arguments

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How did my representative vote? · This bill's floor votes

Officials and money

Sponsor: Sen. Warner, Mark R. [D-VA] · 3 cosponsors

Cost estimate: No cost estimate published yet.

Cosponsors on this site

John Cornyn (R-TX), Tina Smith (D-MN)

Sponsor's campaign money: Sen. Warner, Mark R. [D-VA] reported raising $20.2 million (2025–2026). Details. Shown for context only; it does not mean any donor supported this bill.

Recorded votes

House roll call 447 (2022): On Motion to Commit, S1098 (2022-09-21): Failed
House roll call 448 (2022): On Passage, S1098 (2022-09-21): Passed

Sources

Congressional Research Service summary (Public Law)
Congress.gov
Data: GovInfo BILLSTATUS bulk data (Library of Congress), BILLSTATUS-117s1098.xml <https://www.govinfo.gov/bulkdata/BILLSTATUS/117/s>

Record fed-us-cong117-s1098 · catalog fed-us-congress-bills-cong117 · updated 2026-11-15 by psicol fed-bills-cong117