Stop Reckless Student Loan Actions Act of 2023

This bill restricts the executive branch's authority to pause or cancel federal student loan payments during national emergencies. It prohibits the President or Secretary of Education from suspending payments or canceling balances for borrowers with household incomes above 400% of the poverty line during emergencies, and bans executive actions to cancel loans related to the COVID-19 pandemic or other emergencies. Any such pause or cancellation would be treated as a "major rule" requiring congressional review under the Congressional Review Act. The bill primarily affects higher-income borrowers during emergencies by limiting executive relief options, while maintaining existing loan programs for lower-income borrowers. It does not change standard loan repayment terms but restricts emergency executive actions.