Text: --The sale of a direct loan is a modification according to the Federal Credit Reform Act of 1990 regardless of whether the loan being sold was obligated after FY 1991 or before FY 1992.
Entailment: According to the Federal Credit Reform act of 1990, the sale of a direct loan is a modification regardless of certain conditions.
Contradiction: According to the Federal Credit Reform act of 1996, the sale of a direct loan is not a modification.