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Joint Consolidation Loan Separation Act

Public Law 117-200 · S. 1098 · 117th Congress · began in the Senate

Signed by Joe Biden (D) on Oct 11, 2022 · Education

Sponsor: Sen. Mark Warner (D-VA)

Cosponsors (3): Sen. Marco Rubio,

Passage votesYeaNay

  • HouseRecorded vote: 232 yea, 193 nay232–193
  • SenateUnanimous consent
Data notes

The final version of the law, as each chamber passed it. A chamber that passed it by voice vote or unanimous consent has no count. “Method not stated” means the record does not say how the chamber voted. Where the record has a member-by-member vote, the “Who voted for it” section shows who voted yea.

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Summary

The Congressional Research Service’s plain-language summary of what the law does.

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.

Who voted for it

Every House member of the 117th Congress on the ideology compass. Highlighted: the 232 who voted yea on final passage. Faded: everyone else, including those who voted nay, did not vote, or had not yet taken office.

232 yea193 nay7 present or did not vote

ProEstablishmentAnti
Economic left–right
More liberalMore conservative

Democrats who voted yea(218)

Republicans who voted yea(14)

Data notes

The House’s recorded vote on the final version of the law (roll call 895 in Voteview), matched to the vote the record cites and checked against its totals. Positions are each member’s DW-NOMINATE score for that Congress, as on the Ideology page; left to right is more liberal to more conservative. Paired and announced yea votes count as yea. Lists follow the compass, most liberal first. A name links to a profile only for members of the current Congress. A law passed by voice vote or unanimous consent has no member list, and neither does a vote Voteview has not yet recorded.

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Committees

The committees the bill was sent to, and what each did with it.

Data notes

A committee links to its page only where it exists in the current Congress; older and renamed committees are named without a link.

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Related bills

2 bills the Library of Congress relates to this one.

  • H.R. 2460Identical bill

    Joint Consolidation Loan Separation Act

  • H.Res. 1361Procedurally-related

    Providing for consideration of the bill (S. 1098) to amend the Higher Education Act of 1965 to authorize borrowers to separate joint consolidation loans; and for other purposes.

Data notes

Related bills are identified by the Congressional Research Service, the House and the Senate: companion and identical bills, bills with similar text, bills that were folded into this law, and rules that brought it to the floor. A bill that is itself a public law in this site’s data links here; the others link to Congress.gov.

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Timeline

From introduction to signing, newest first: the committees, the floor and the president. 26 actions.

  1. Oct 11, 2022Became lawBecame law · Became Public Law No: 117-200.
  2. Became lawBecame law · Signed by President.
  3. FloorFloor · Presented to President.
  4. Sep 21, 2022FloorFloor · Motion to reconsider laid on the table Agreed to without objection.
  5. FloorFloor · On passage Passed by the Yeas and Nays: 232 - 193 (Roll no. 448).House roll call 448
  6. FloorFloor · On motion to commit Failed by the Yeas and Nays: 202 - 228 (Roll no. 447).House roll call 447
  7. FloorFloor · Considered as unfinished business.
  8. Sep 20, 2022FloorFloor · POSTPONED PROCEEDINGS - The Chair put the question on the motion to commit and by voice vote, announced that the noes had prevailed Ms. Foxx demanded the yeas and nays and the Chair postponed further proceedings on the motion to commit until a time to be announced.
  9. FloorFloor · The previous question on the motion to commit was ordered pursuant to clause 2(b) of rule XIX.
  10. FloorFloor · Ms. Foxx moved to commit to the Committee on Education and Labor.
  11. FloorFloor · The previous question was ordered pursuant to the rule.
  12. FloorFloor · DEBATE - The House proceeded with one hour of debate on S. 1098.
  13. FloorFloor · Rule provides for consideration of S. 1098 with 1 hour of general debate. Resolution also provides one motion to commit.
  14. FloorFloor · Considered under the provisions of rule H. Res. 1361.
  15. FloorFloor · Rule H. Res. 1361 passed House.
  16. Sep 19, 2022FloorFloor · Rules Committee Resolution H. Res. 1361 Reported to House. Rule provides for consideration of S. 1098 with 1 hour of general debate. Resolution also provides one motion to commit.
  17. Jun 17, 2022FloorFloor · Held at the desk.
  18. FloorFloor · Received in the House.
  19. Jun 16, 2022FloorFloor · Message on Senate action sent to the House.
  20. Jun 15, 2022FloorFloor · Passed Senate with an amendment by Unanimous Consent.
  21. FloorFloor · Measure laid before Senate by unanimous consent.
  22. CommitteeCommittee · Senate Committee on Health, Education, Labor, and Pensions discharged by Unanimous Consent.
  23. May 5, 2022CommitteeCommittee · Committee on Banking, Housing, and Urban Affairs. Hearings held.
  24. CommitteeCommittee · Hearings by Senate Banking, Housing, and Urban Affairs Committee
  25. Apr 13, 2021CommitteeCommittee · Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
  26. IntroducedIntroduced · Introduced in Senate
Data notes

Every action the Library of Congress lists for the bill, from introduction to signing, plus the dated committee hearings. The source lists many steps twice (the chamber’s own entry and the Library of Congress copy, or a presidential and a became-law entry with the same words); those are shown once. Amendments are listed in their own section.

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Amendments

1 amendment offered to the bill, with the last recorded step of each.

  • S.Amdt. 5097SenateSen. Mark WarnerD-VA· offered Jun 15, 2022Agreed to

    In the nature of a substitute.

    Jun 15, 2022: Amendment SA 5097 agreed to in Senate by Unanimous Consent.

    Agreed to
Data notes

Amendments offered to this bill in either chamber, as the Library of Congress records them: each with a status read from its last recorded step: agreed to, rejected, withdrawn, ruled out of order, fell with another amendment, or offered with no vote recorded (most Senate amendments are only ever offered). The wording of each amendment is the source’s. Amendments to amendments and amendments to other bills are not listed.

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Official record

The bill’s full text is on Congress.gov. Data through Oct 7, 2026.