Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Education relating to "Waivers and Modifications of Federal Student Loans".

House Joint Resolution 45 is a measure intended to overturn the Department of Education’s 2022 policy that suspended federal student loan payments and authorized the cancellation of certain student debt. If enacted, the resolution would have retroactively invalidated the pause on interest accumulation and monthly payments that was in effect during that period. Additionally, it would have blocked the administration’s broader plan to discharge up to $20,000 in debt per eligible borrower.

For the average citizen, this bill represented a legislative effort to end pandemic-era relief measures and prevent the executive branch from forgiving student loan balances without specific authorization from Congress. While the resolution was passed by both the House and the Senate in mid-2023, it was subsequently vetoed by the President, and the veto was sustained, meaning the bill did not become law. Consequently, the resolution did not ultimately result in the reinstatement of past due interest or the immediate collection of suspended payments.