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Read. Follow. Verify.The REDI Act (H.R. 2028)
Last action · March 11, 2025: Referred to the House Committee on Education and Workforce.Sponsors: Brian Babin and 130 others
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What This Bill Would Do
The REDI Act proposes allowing medical and dental residents to pause student loan payments without interest accruing during their internship or residency programs. This bill amends the Higher Education Act of 1965 to provide this specific for borrowers in these medical training programs.
If passed, this bill would eliminate interest accumulation on federal student loans for medical and dental residents during their training, potentially reducing the total loan balance for these professionals upon completion of their programs.
Who It Would Affect
Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.
Medical and dental residents
These individuals would be eligible to pause loan payments and stop interest accrual during their training period.
Federal student loan borrowers
The bill modifies the terms of federal student loan repayment specifically for those in medical or dental training.
Key Facts
- The bill is officially titled the 'Resident Education Deferred Interest Act' or the 'REDI Act'.
- Borrowers serving in a medical or dental internship or residency program become eligible for a specific loan deferment.
- During this deferment, borrowers are not required to make periodic principal payments.
- During this deferment, interest will not accrue on federal student loans made under the Higher Education Act.
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- The bill amends Section 455(f) of the Higher Education Act of 1965 (20 U.S.C. 1087e(f)).
- The bill was introduced in the House of Representatives on March 11, 2025.
Frequently Asked Questions
Who is eligible for this loan deferment?
Does interest continue to grow while I am in residency under this bill?
Do I have to pay the principal on my loans during this time?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
Currently in committee. The next step in the legislative lifecycle is Floor Vote.
Procedural history
2 actions- Mar 11, 2025HouseCommitteeReferred to the House Committee on Education and Workforce.
- Mar 11, 2025HouseIntroducedIntroduced in House
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
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Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Targeted Interest Relief
The bill represents a shift toward providing interest-free status for specific professional training periods rather than just standard payment pauses.
Connected Entities
Sources
www.congress.gov
Analysis Score
0–100- Significance65How much this matters to a regular citizen
- Controversy20Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz30Current news / social attention level
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