Student Loan Marriage Penalty Elimination Act of 2025
Rep. Grothman Introduces Bipartisan Bill to Double Student Loan Tax Deductions for Married Couples
This bill is currently in the early stages of the legislative process and is being reviewed by the House Committee on Ways and Means. It was recently introduced and is considered active as it waits for further committee action. There are no upcoming votes scheduled at this time.
Part of: story →Passage Likelihood
Legislative Progress
Key Points
- This bill changes how married couples deduct student loan interest on their taxes. Currently, a married couple filing jointly can only deduct up to $2,500 total, even if both spouses have student loans. This bill would let each spouse deduct up to $2,500 separately, effectively doubling the deduction to $5,000 per couple.
From policy text
“The interest taken into account with respect to a taxpayer for a taxable year under subsection (a) for indebtedness incurred by an individual shall not exceed $2,500.”
View in full text - The goal is to eliminate what is known as a "marriage penalty" in the tax code. Under current law, two single people paying student loans can each deduct $2,500 (totaling $5,000), but a married couple is limited to just $2,500 combined. This bill levels the playing field so getting married does not increase your tax burden if both spouses carry student debt.
- The bill has bipartisan support, with both Republican and Democratic cosponsors including Reps. Grothman, DelBene, Davis, and others. It was referred to the House Ways and Means Committee. If enacted, the new rules would apply retroactively to tax years beginning after December 31, 2024, meaning the 2025 tax filing season would be the first to benefit.
From policy text
“The amendments made by this section shall apply to taxable years beginning after December 31, 2024.”
View in full text
Impact Analysis
Personal Impact
Milestones
Referred to the House Committee on Ways and Means.
Introduced in House
The bill was officially filed and given a number. It now enters the legislative queue.
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Rep. Grothman Reintroduces Bipartisan Student Loan Marriage Penalty Elimination Act
Congressman Glenn Grothman is joined by representatives from both sides of the aisle to reintroduce legislation that would amend the tax code to ensure student loan interest is tax-deductible for each spouse independently, removing the current $2,500 cap for married couples.
Raphael Warnock Pushes Bill Enhancing Tax Deductions for Married Couples
Senators Raphael Warnock and James Lankford introduced the bipartisan Student Loan Marriage Penalty Elimination Act in the Senate. The bill aims to end the 'marriage penalty' by allowing each person in a married couple to claim a $2,500 deduction for student loan interest.
Source Information
Document Type
Congressional Bill
Official Title
Student Loan Marriage Penalty Elimination Act of 2025
Data Sources
Sponsor
Cosponsors
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