a graduate or professional student shall not be eligible to receive a Federal Direct Stafford loan under this part; and

the maximum annual amount of Federal Direct Unsubsidized Stafford loans such a student may borrow in any academic year (as defined in section 1088(a)(2) of this title) or its equivalent shall be the maximum annual amount for such student determined under section 1078–8 of this title, plus an amount equal to the amount of Federal Direct Stafford loans the student would have received in the absence of this subparagraph.

prior to the beginning of the repayment period of the loan; or

during the period in which principal need not be paid (whether or not such principal is in fact paid) by reason of a provision described in section 1078(b)(1)(M) or 1077(a)(2)(C) of this title,

the bond equivalent rate of 91-day Treasury bills auctioned at the final auction prior to such June 1; plus

2.5 percent,

the bond equivalent rate of 52-week Treasury bills auctioned at final auction held prior to such June 1; plus

3.1 percent,

the weekly average 1-year constant maturity Treasury yield, as published by the Board of Governors of the Federal Reserve System, for the last calendar week ending on or before such June 26; plus

3.1 percent,

the bond equivalent rate of the security with a comparable maturity as established by the Secretary; plus

2.1 percent,

the bond equivalent rate of 91-day Treasury bills auctioned at the final auction held prior to such June 1; plus

2.3 percent,

prior to the beginning of the repayment period of the loan; or

during the period in which principal need not be paid (whether or not such principal is in fact paid) by reason of a provision described in section 1078(b)(1)(M) or 1077(a)(2)(C) of this title,

by substituting “3.1 percent” for “2.3 percent”; and

by substituting “9.0 percent” for “8.25 percent”.

the bond equivalent rate of 91-day Treasury bills auctioned at the final auction held prior to such June 1; plus

2.3 percent,

prior to the beginning of the repayment period of the loan; or

during the period in which principal need not be paid (whether or not such principal is in fact paid) by reason of a provision described in section 1078(b)(1)(M) or 1077(a)(2)(C) of this title,

by substituting “3.1 percent” for “2.3 percent”; and

by substituting “9.0 percent” for “8.25 percent”.

the weighted average of the interest rates on the loans consolidated, rounded to the nearest higher one-eighth of one percent; or

8.25 percent.

the bond equivalent rate of 91-day Treasury bills auctioned at the final auction held prior to such June 1; plus

2.3 percent,

the weighted average of the interest rates on the loans consolidated, rounded to the nearest higher one-eighth of one percent; or

8.25 percent.

For a loan for which the first disbursement is made on or after July 1, 2006, and before July 1, 2008, 6.8 percent on the unpaid principal balance of the loan.

For a loan for which the first disbursement is made on or after July 1, 2008, and before July 1, 2009, 6.0 percent on the unpaid principal balance of the loan.

For a loan for which the first disbursement is made on or after July 1, 2009, and before July 1, 2010, 5.6 percent on the unpaid principal balance of the loan.

For a loan for which the first disbursement is made on or after July 1, 2010, and before July 1, 2011, 4.5 percent on the unpaid principal balance of the loan.

For a loan for which the first disbursement is made on or after July 1, 2011, and before July 1, 2013, 3.4 percent on the unpaid principal balance of the loan.

a rate equal to the high yield of the 10-year Treasury note auctioned at the final auction held prior to such June 1 plus 2.05 percent; or

8.25 percent.

a rate equal to the high yield of the 10-year Treasury note auctioned at the final auction held prior to such June 1 plus 3.6 percent; or

9.5 percent.

a rate equal to the high yield of the 10-year Treasury note auctioned at the final auction held prior to such June 1 plus 4.6 percent; or

10.5 percent.

is in deferment due to an economic hardship described in section 1085(o) of this title;

makes monthly payments under paragraph (1) or (6) of section 1098e(b) of this title;

makes monthly payments of not less than the monthly amount calculated under section 1078(b)(9)(A)(i) of this title or subsection (d)(1)(A), based on a 10-year repayment period, when the borrower first made the election described in section 1098e(b)(1) of this title;

makes payments of not less than the payments required under a standard repayment plan under section 1078(b)(9)(A)(i) of this title or subsection (d)(1)(A) with a repayment period of 10 years; or

makes payments under an income contingent repayment plan under subsection (d)(1)(D).

use return information disclosed under section 6103(l)(13) of title 26, pursuant to approval provided under section 1098h of this title, to determine the repayment obligation of the borrower without further action by the borrower;

allow the borrower (or the spouse of the borrower), at any time, to opt out of disclosure under such section 6103(l)(13) and instead provide such information as the Secretary may require to determine the repayment obligation of the borrower (or withdraw from the repayment plan under this subsection); and

provide the borrower with an opportunity to update the return information so disclosed before the determination of the repayment obligation of the borrower.

selects, or is required to repay such loan pursuant to, an income-contingent repayment plan; or

recertifies income or family size under such plan.

Federal Direct Stafford Loan; or

a Federal Direct Consolidation Loan that consolidated only Federal Direct Stafford Loans, or a combination of such loans and Federal Stafford Loans for which the student borrower received an interest subsidy under section 1078 of this title; or

is carrying at least one-half the normal full-time work load for the course of study that the borrower is pursuing, as determined by the eligible institution (as such term is defined in section 1085(a) of this title) the borrower is attending; or

is pursuing a course of study pursuant to a graduate fellowship program approved by the Secretary, or pursuant to a rehabilitation training program for individuals with disabilities approved by the Secretary,

is serving on active duty during a war or other military operation or national emergency; or

is performing qualifying National Guard duty during a war or other military operation or national emergency,

any period in which such borrower is receiving treatment for cancer; and

the 6 months after such period.

made on or after September 28, 2018; or

in repayment on September 28, 2018.

Federal Direct Stafford Loan; or

a Federal Direct Consolidation Loan that consolidated only Federal Direct Stafford Loans, or a combination of such loans and Federal Stafford Loans for which the student borrower received an interest subsidy under section 1078 of this title; or

shall accrue and be capitalized or paid by the borrower, in the case of a Federal Direct PLUS Loan, a Federal Direct Unsubsidized Stafford Loan, or a Federal Direct Consolidation Loan not described in clause (i)(II).

is the spouse of a member of the Armed Forces serving on active duty; and

has experienced a loss of employment as a result of relocation to accommodate a permanent change in duty station of such member.

the documentation described in clause (ii); or

such other documentation as the Secretary determines appropriate.

evidence that the borrower is the spouse of a member of the Armed Forces serving on active duty;

evidence that a military permanent change of station order was issued to such member; and

evidence that the borrower is eligible for unemployment benefits due to a loss of employment resulting from relocation to accommodate such permanent change in duty station; or

a written certification, or an equivalent as approved by the Secretary, that the borrower is registered with a public or private employment agency due to a loss of employment resulting from relocation to accommodate such permanent change in duty station.

the unpaid principal and accrued unpaid interest of the joint consolidation loan (as of the date that is the day before such separate consolidation loan is made) and any outstanding charges and fees with respect to such loan; and

on the basis of the loan obligations of such borrower with respect to such joint consolidation loan (as of the date such joint consolidation loan was made); or

in the case in which both borrowers request, on the basis of proportions outlined in a divorce decree, court order, or settlement agreement; and

has the same rate of interest as the joint consolidation loan (as of the date that is the day before such separate consolidation loan is made); and

in a timely manner, notify each individual borrower that the joint consolidation loan had been repaid and of the terms and conditions of their new loans.

has experienced an act of domestic violence (as defined in section 12291 of title 34 from the other individual borrower;

has experienced economic abuse (as defined in section 12291 of title 34 from the other individual borrower; or

is unable to reasonably reach or access the loan information of the other individual borrower; or

the Secretary determines that authorizing each individual borrower to apply separately under subparagraph (A) would be in the best fiscal interests of the Federal Government.

payments under an income-based repayment plan under section 1098e of this title;

payments under a standard repayment plan under subsection (d)(1)(A), based on a 10-year repayment period;

monthly payments under a repayment plan under subsection (d)(1) or (g) of not less than the monthly amount calculated under subsection (d)(1)(A), based on a 10-year repayment period; or

payments under an income contingent repayment plan under subsection (d)(1)(D); and

is employed in a public service job at the time of such forgiveness; and

has been employed in a public service job during the period in which the borrower makes each of the 120 payments described in subparagraph (A).

a full-time job in emergency management, government (excluding time served as a member of Congress), military service, public safety, law enforcement, public health (including nurses, nurse practitioners, nurses in a clinical setting, and full-time professionals engaged in health care practitioner occupations and health care support occupations, as such terms are defined by the Bureau of Labor Statistics), public education, social work in a public child or family service agency, public interest law services (including prosecution or public defense or legal advocacy on behalf of low-income communities at a nonprofit organization), early childhood education (including licensed or regulated childcare, Head Start, and State funded prekindergarten), public service for individuals with disabilities, public service for the elderly, public library sciences, school-based library sciences and other school-based services, or at an organization that is described in section 501(c)(3) of title 26 and exempt from taxation under section 501(a) of such title; or

teaching as a full-time faculty member at a Tribal College or University as defined in section 1059c(b) of this title and other faculty teaching in high-needs subject areas or areas of shortage (including nurse faculty, foreign language faculty, and part-time faculty at community colleges), as determined by the Secretary.

is serving on active duty during a war or other military operation or national emergency; or

is performing qualifying National Guard duty during a war or other military operation or national emergency; and

a period equal to 150 percent of the published length of the educational program in which the student is enrolled; or

150 percent of the published length of the longest educational program in which the borrower was, or is, enrolled; and

any periods of enrollment in which the borrower received a Federal Direct Stafford Loan.

how the aggregate period described in subparagraph (A) shall be calculated with respect to a borrower who was or is enrolled on less than a full-time basis; and

how such aggregate period shall be calculated to include a course of study or program described in paragraph (3)(B) or (4)(B) of section 1091(b) of this title, respectively.