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S. 2124: Skin in the Game Act

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About the bill

If a student defaults on their college loans, who should pay — the student or the educational institution itself?


College is more expensive than ever. Student loan debt now totals $1.47 trillion and still rising, more than the total of credit card debt or auto loan debt.

And more and more students are defaulting. Last year, more than 1 million students defaulted on their student loans

Varying proposals have been introduced across the political spectrum.

On the left, Democratic presidential candidate Sen. Elizabeth Warren (D-MA) would cancel student loan debt entirely for tens of millions of people, while fellow candidate Bernie Sanders (I-VT) would eliminate all $1.6 trillion in student loans made by the federal government.

A new bill from a Republican senator offers another idea.

What the ...

Sponsor and status

Joshua Hawley

Sponsor. Junior Senator for Missouri. Republican.

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Last Updated: Jul 16, 2019
Length: 2 pages
Jul 16, 2019
116th Congress (2019–2021)

Introduced on Jul 16, 2019

This bill is in the first stage of the legislative process. It was introduced into Congress on July 16, 2019. It will typically be considered by committee next before it is possibly sent on to the House or Senate as a whole.

2% chance of being enacted according to Skopos Labs (details)


Jul 16, 2019

Bills and resolutions are referred to committees which debate the bill before possibly sending it on to the whole chamber.

If this bill has further action, the following steps may occur next:
Passed Committee

Passed Senate

Passed House

Signed by the President

S. 2124 is a bill in the United States Congress.

A bill must be passed by both the House and Senate in identical form and then be signed by the President to become law.

Bills numbers restart every two years. That means there are other bills with the number S. 2124. This is the one from the 116th Congress.

How to cite this information.

We recommend the following MLA-formatted citation when using the information you see here in academic work:

“S. 2124 — 116th Congress: Skin in the Game Act.” 2019. September 30, 2020 <>

Where is this information from?

GovTrack automatically collects legislative information from a variety of governmental and non-governmental sources. This page is sourced primarily from, the official portal of the United States Congress. is generally updated one day after events occur, and so legislative activity shown here may be one day behind. Data via the congress project.