1. Short title This Act may be cited as the Stop Reckless Student Loan Actions Act of 2023 . 2. Findings Congress finds the following: (1) The Higher Education Relief Opportunities for Students Act of 2003 ( 20 U.S.C. 1098aa et seq. ) was intended to provide relief opportunities for members of the armed services. (2) The authority provided under the Higher Education Relief Opportunities for Students Act of 2003 has been abused by the executive branch during the COVID–19 national emergency regarding the payment of Federal student loans. (3) The unilateral payment pause on Federal student loans has cost more than $160,000,000,000. (4) The unilateral payment pause on Federal student loans has inflationary impacts. (5) The individuals benefitting the most from the payment pause continued by the executive branch are doctors, who receive 11 times the benefit of bachelor’s degree recipients and 16 times the benefit of associate’s degree recipients. 3. Amendments to the Higher Education Relief Opportunities for Students Act of 2003 Section 5(2) of the Higher Education Relief Opportunities for Students Act of 2003 ( 20 U.S.C. 1098ee ) is amended— (1) in the matter preceding subparagraph (A), by inserting (or the spouse or dependent of the parent, as that term is used in section 480 of the Higher Education Act of 1965 ( 20 U.S.C. 1087vv )) after an individual ; (2) in subparagraph (A), by inserting and after the semicolon; (3) in subparagraph (B), by striking the semicolon and inserting a period