Constitution Index · H.R. 10097 · 2026-08-13

Earn to Learn Act

Latest official status (2026-08-13): Referred to the House Committee on Education and Workforce.

Official source ↗

Constitutional grade

B

Mostly sound

The bill is a conditional federal grant program that encourages savings for education, which falls within Congress's spending power. It does not directly infringe on individual rights, but it does expand federal involvement in education, which is traditionally a state and local matter. The program is voluntary and includes safeguards to protect student eligibility for Pell Grants, mitigating concerns about federal overreach.

Article I, Section 8, Clause 1 Amendment X

SI-generated grade · passed automated checks (real Constitution citation, language rules) · not individually reviewed by a person · methodology · Report an error: hello@valuesforamerica.com

The five checks

Enumerated powers · passes · severity: minor

Congress has the power to tax and spend for the general welfare under Article I, Section 8, Clause 1. This bill creates a grant program, which is a valid exercise of the spending power. The Supreme Court has upheld conditional spending programs as long as they are for the general welfare and not coercive. Education is not explicitly enumerated, but the spending power allows Congress to attach conditions to funds it distributes.

Bill of Rights · passes

The bill does not restrict speech, religion, assembly, press, petition, the right to bear arms, or any other right protected by the Bill of Rights. It creates a voluntary program for individuals to save for education. There is no infringement on any enumerated right.

Individual liberty · passes

The program is voluntary. Individuals are not compelled to participate, and the bill does not restrict what individuals can do with their own property or labor. It provides an incentive for saving, which does not infringe on individual sovereignty. The bill also ensures that participation does not affect Pell Grant eligibility, protecting existing benefits.

Decentralization · raises concerns · severity: minor

The program is administered by the federal Department of Education, which consolidates decision-making at the federal level. While states and nonprofits are grant recipients, the federal government sets the program's parameters. Education is traditionally a state and local matter, and the Tenth Amendment reserves powers not delegated to the federal government to the states. However, because the program is voluntary and states can choose not to participate, the federal overreach is limited.

Due process and takings · passes

The bill does not take property without just compensation. It does not impose any penalty or deprive individuals of life, liberty, or property without due process. The program is voluntary, and participants are entitled to withdraw funds under certain circumstances, ensuring fair treatment.

Provenance

Grade ID
1037
Rubric version
vfa-constitutional-grade/1.0
Graded
2026-10-20 01:20 UTC
Engine
backup SI engine
Source fetched
2026-10-14 17:07 UTC
Source SHA-256
8a73bfc7199aa834ba6b89f988ac46bb1540d3e10e7fb023c58584a531b93b1c
Checks
si-editorial-standard/1.0: real Constitution citation, language rules

Version history · never overwritten

GradeGradedRubric Source hashStatus
B · #1037 2026-10-20 vfa-constitutional-grade/1.0 8a73bfc7199a current

Cite this

Values for America. “Constitutional grade: H.R. 10097, Earn to Learn Act.” VFA Constitution Index, grade 1037 (rubric vfa-constitutional-grade/1.0), graded October 20, 2026. https://www.valuesforamerica.com/constitution-index/grades/1037. Accessed 2026-10-20.

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