The Farm Ownership Improvement Act wants to help farmers and ranchers get loans to buy farms by testing a new way to see if they can pay back the loans, like checking their money skills before giving them money. If it works well, they might keep doing it for more than just the test time.

The SOIL Act is like a special test program to help farmers more easily apply for loans to own their farms, making it less confusing and giving them clearer answers. This program will try out new rules until the end of 2029 to see what works best and will let important people know how it’s going.

The Debt Relief and Farm Credit Access Act is like changing the rules of a game to help farmers borrow money more easily, pay off old debts with new loans, and get more help if they're having a hard time paying back. It also gives new farmers a better chance to start farming by setting more flexible rules for who can get this help.