Prohibits the use of student loan payment credit history checks in certain cases

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PASSAGE PROBABILITY

1% Unlikely

Why this number

Stage base Passed First Chamber — base rate 16%, measured from NY's completed sessions
Momentum +6 75/100 from the pace of recorded action
Time since last action -21 147 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.