Requires registration of postsecondary education debt creditors; establishes protections for borrowers.

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PASSAGE PROBABILITY

1% Unlikely

Why this number

Stage base Floor Consideration — base rate 18%, measured from NJ's completed sessions
Momentum -2 43/100 from the pace of recorded action
Time since last action -22 211 days quiet

A transparent scoring model over stage, momentum, recency, sponsorship and recorded votes — not a trained predictor. Treat it as a way to rank attention, not as a forecast.