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and 428C and comparable loans made under part 
D), for any new borrower after the date of enact-
ment of the College Access and Opportunity Act of 
2006, who— 
‘‘(A) has been employed full-time for at 
least 5 consecutive complete school, academic, 
or calendar years, as appropriate, in an area of 
national need described in subsection (c); and 
‘‘(B) is not in default on a loan for which 
the borrower seeks forgiveness. 
‘‘(2) AWARD
BASIS.—Loan repayment under 
this section shall be on a first-come, first-served 
basis on behalf of borrowers employed in an area of 
national need described in subsection (c) and subject 
to the availability of appropriations. 
‘‘(3) REGULATIONS.—The Secretary is author-
ized to issue such regulations as may be necessary 
to carry out the provisions of this section. 
‘‘(c) AREAS OF NATIONAL NEED.— 
‘‘(1) STATUTORY CATEGORIES.—For purposes 
of this section, an individual shall be treated as em-
ployed in an area of national need if the individual 
is employed full time and is any of the following: 
‘‘(A) EARLY CHILDHOOD EDUCATORS.—An 
individual who is employed as an early child-
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hood educator in an eligible preschool program 
or child care facility in a low-income commu-
nity, and who is involved directly in the care, 
development and education of infants, toddlers, 
or young children through age five. 
‘‘(B) NURSES.—An individual who is em-
ployed— 
‘‘(i) as a nurse in a clinical setting; or 
‘‘(ii) as a member of the nursing fac-
ulty at an accredited school of nursing (as 
those terms are defined in section 801 of 
the Public Health Service Act (42 U.S.C. 
296)). 
‘‘(C) FOREIGN LANGUAGE SPECIALISTS.— 
An individual who has obtained a baccalaureate 
degree in a critical foreign language and is em-
ployed— 
‘‘(i) in an elementary or secondary 
school as a highly qualified teacher (as 
such term is defined in section 9101 of the 
Elementary and Secondary Education Act 
of 1965) of a critical foreign language; or 
‘‘(ii) in an agency of the United 
States Government in a position that regu-
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larly requires the use of such critical for-
eign language. 
‘‘(D) LIBRARIANS.—An individual who is 
employed full-time as a librarian in— 
‘‘(i) a public library that serves a geo-
graphic area within which the public 
schools have a combined average of 30 per-
cent or more of their total student enroll-
ments composed of children counted under 
section 1113(a)(5) of the Elementary and 
Secondary Education Act of 1965; or 
‘‘(ii) an elementary or secondary 
school which is in the school district of a 
local educational agency which is eligible in 
such year for assistance pursuant to title I 
of the Elementary and Secondary Edu-
cation Act of 1965, and which for the pur-
pose of this paragraph and for that year 
has been determined by the Secretary 
(pursuant to regulations and after con-
sultation with the State educational agency 
of the State in which the school is located) 
to be a school in which the enrollment of 
children counted under section 1113(a)(5) 
of the Elementary and Secondary Edu-
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cation Act of 1965 exceeds 30 percent of 
the total enrollment of that school. 
‘‘(E) HIGHLY QUALIFIED TEACHERS: BI-
LINGUAL
EDUCATION
AND
LOW-INCOME
COM-
MUNITIES.—An individual who— 
‘‘(i) is highly qualified as such term is 
defined in section 9101 of the Elementary 
and Secondary Education Act of 1965; and 
‘‘(ii)(I) is employed as a full-time 
teacher of bilingual education; or 
‘‘(II) is employed as a teacher for 
service in a public or nonprofit private ele-
mentary or secondary school which is in 
the school district of a local educational 
agency which is eligible in such year for 
assistance pursuant to title I of the Ele-
mentary and Secondary Education Act of 
1965, and which for the purpose of this 
paragraph and for that year has been de-
termined by the Secretary (pursuant to 
regulations and after consultation with the 
State educational agency of the State in 
which the school is located) to be a school 
in which the enrollment of children counted 
under section 1113(a)(5) of the Elemen-
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CCOLEMAN on PROD1PC71 with BILLS
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tary and Secondary Education Act of 1965 
exceeds 40 percent of the total enrollment 
of that school. 
‘‘(F) FIRST RESPONDERS IN LOW-INCOME 
COMMUNITIES.—An individual who— 
‘‘(i) is employed as a firefighter, police 
officer, or emergency medical technician; 
and 
‘‘(ii) serves as such in a low-income 
community. 
‘‘(G) CHILD WELFARE WORKERS.—An in-
dividual who— 
‘‘(i) has obtained a degree in social 
work or a related field with a focus on 
serving children and families; and 
‘‘(ii) is employed in public or private 
child welfare services. 
‘‘(H) 
SPEECH-LANGUAGE
PATHOLO-
GISTS.—An individual who is a speech-language 
pathologist, who is employed in an eligible pre-
school program or an elementary or secondary 
school, and who has, at a minimum, a graduate 
degree in speech-language pathology, or com-
munication sciences and disorders. 
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CCOLEMAN on PROD1PC71 with BILLS
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‘‘(I) PUBLIC SERVICE EMPLOYMENT.—An 
individual who is employed full time in by a 
qualified public service employer. 
‘‘(J) MEDICAL
SPECIALISTS.—An indi-
vidual who— 
‘‘(i) has received his or her degree 
from an accredited medical school (as ac-
credited by the Liaison Committee on Med-
ical Education or as defined by this title 
IV); and 
‘‘(ii)(I) has been accepted to, or cur-
rently participates in, a graduate medical 
education training program or fellowship 
(or both) to provide health care services 
(as recognized by the Accreditation Council 
for Graduate Medical Education); or 
‘‘(II) has been accepted into, or cur-
rently participates in, a graduate medical 
education program or fellowship (or both) 
to provide health care services that— 
‘‘(aa) requires more than 5 years 
of total graduate medical training; 
and 
‘‘(bb) has fewer United States 
medical school graduate applicants 
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than the total number of training and 
fellowship positions available in the 
programs specified in subclause (I) of 
this clause. 
‘‘(K) CHILD
OR
ADOLESCENT
MENTAL 
HEALTH
PROFESSIONALS.—An individual who 
is employed as child or adolescent mental health 
professional and is currently providing a major-
ity of their clinical services to children or ado-
lescents. 
‘‘(L) ADDITIONAL
AREAS
OF
NATIONAL 
NEED.—An individual who is employed in an 
area designated by the Secretary under para-
graph (2) and has completed a baccalaureate or 
advanced degree related to such area. 
‘‘(2) DESIGNATION
OF
AREAS
OF
NATIONAL 
NEED.—After consultation with appropriate Federal, 
State, and community-based agencies and organiza-
tions, the Secretary shall designate areas of national 
need. In making such designations, the Secretary 
shall take into account the extent to which— 
‘‘(A) the national interest in the area is 
compelling; 
‘‘(B) the area suffers from a critical lack 
of qualified personnel; and 
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‘‘(C) other Federal programs support the 
area concerned. 
‘‘(d) QUALIFIED LOAN AMOUNT.—Subject to sub-
section (b)(2), the Secretary shall repay not more than 
$5,000 in the aggregate of the loan obligation on a loan 
made under section 428 or 428H that is outstanding after 
the completion of the fifth consecutive school, academic, 
or calendar year, as appropriate, described in subsection 
(b)(1). 
‘‘(e) CONSTRUCTION.—Nothing in this section shall 
be construed to authorize the refunding of any repayment 
of a loan made under section 428 or 428H. 
‘‘(f) INELIGIBILITY OF NATIONAL SERVICE AWARD 
RECIPIENTS.—No student borrower may, for the same 
service, receive a benefit under both this section and sub-
title D of title I of the National and Community Service 
Act of 1990 (42 U.S.C. 12601 et seq.). 
‘‘(g) INELIGIBILITY FOR DOUBLE BENEFITS.—No 
borrower may receive a reduction of loan obligations under 
both this section and section 428J or 460. 
‘‘(h) DEFINITIONS.—In this section 
‘‘(1) CHILD CARE FACILITY.—The term ‘child 
care facility’ means a facility, including a home, 
that— 
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‘‘(A) provides for the education and care of 
children from birth through age 5; and 
‘‘(B) meets any applicable State or local 
government licensing, certification, approval, or 
registration requirements. 
‘‘(2) CRITICAL FOREIGN LANGUAGE.—The term 
‘critical foreign language’ includes the languages of 
Arabic, Korean, Japanese, Chinese, Pashto, Persian- 
Farsi, Serbian-Croatian, Russian, Portuguese, and 
any other language identified by the Secretary of 
Education, in consultation with the Defense Lan-
guage Institute, the Foreign Service Institute, and 
the National Security Education Program, as a crit-
ical foreign language need. 
‘‘(3) 
EARLY
CHILDHOOD
EDUCATOR.—The 
term ‘early childhood educator’ means an early 
childhood educator employed in an eligible preschool 
program who has completed a baccalaureate or ad-
vanced degree in early childhood development, early 
childhood education, or in a field related to early 
childhood education. 
‘‘(4) ELIGIBLE
PRESCHOOL
PROGRAM.—The 
term ‘eligible preschool program’ means a program 
that provides for the care, development, and edu-
cation of infants, toddlers, or young children 
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CCOLEMAN on PROD1PC71 with BILLS
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through age 5, meets any applicable State or local 
government licensing, certification, approval, and 
registration requirements, and is operated by— 
‘‘(A) a public or private school that may be 
supported, sponsored, supervised, or adminis-
tered by a local educational agency; 
‘‘(B) a Head Start agency serving as a 
grantee designated under the Head Start Act 
(42 U.S.C. 9831 et seq.); 
‘‘(C) a nonprofit or community based orga-
nization; or 
‘‘(D) a child care program, including a 
home. 
‘‘(5) LOW-INCOME COMMUNITY.—In this sub-
section, the term ‘low-income community’ means a 
community in which 70 percent of households earn 
less than 85 percent of the State median household 
income. 
‘‘(6) NURSE.—The term ‘nurse’ means a nurse 
who meets all of the following: 
‘‘(A) The nurse graduated from an accred-
ited school of nursing (as those terms are de-
fined in section 801 of the Public Health Serv-
ice Act (42 U.S.C. 296)).’’. 
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‘‘(B) The nurse holds a valid and unre-
stricted license to practice nursing in the State 
in which the nurse practices in a clinical setting 
or from an accredited school of nursing (as 
those terms are defined in section 801 of the 
Public Health Service Act (42 U.S.C. 296)). 
‘‘(C) The nurse holds one or more of the 
following: 
‘‘(i) A graduate degree in nursing, or 
an equivalent degree. 
‘‘(ii) A nursing degree from a colle-
giate school of nursing (as defined in sec-
tion 801 of the Public Health Service Act 
(42 U.S.C. 296)). 
‘‘(iii) A nursing degree from an asso-
ciate degree school of nursing (as defined 
in section 801 of the Public Health Service 
Act (42 U.S.C. 296)). 
‘‘(iv) A nursing degree from a diploma 
school of nursing (as defined in section 
801 of the Public Health Service Act (42 
U.S.C. 296)). 
‘‘(7) PUBLIC
SERVICE
EMPLOYMENT.—The 
term ‘qualified public service employer’ means any 
State, local government, Federal agency, or other or-
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ganization (as such terms are defined by section 
3371 of title 5, United States Code), any other of-
fice or entity of the legislative branch, and any em-
ployer that is exempt from taxation under section 
501(c)(3) or section 501(c)(4) of title 26, United 
States Code. 
‘‘(8) SPEECH-LANGUAGE
PATHOLOGIST.—The 
term ‘speech-language pathologist’ means a speech- 
language pathologist who meets all of the following: 
‘‘(A) the speech-language pathologist has 
received, at a minimum, a graduate degree in 
speech-language pathology or communication 
sciences and disorders from an institution of 
higher education; and 
‘‘(B) 
the 
speech-language 
pathologist 
meets or exceeds the qualifications as defined in 
section 1861(ll) of the Social Security Act (42 
U.S.C. 1395x). 
‘‘(8) CHILD OR ADOLESCENT MENTAL HEALTH 
PROFESSIONAL.—The term ‘child or adolescent men-
tal health professional’ means an individual who is 
employed as a psychiatrist, psychologist, school psy-
chologist, psychiatric nurse, social worker, school so-
cial worker, marriage and family therapist, school 
counselor, or professional counselor and holds an ad-
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vanced degree in one of the above areas with special-
ized training in child or adolescent mental health. 
‘‘(9) SPECIALIZED TRAINING IN CHILD OR ADO-
LESCENT MENTAL HEALTH.—The term ‘specialized 
training in child or adolescent mental health’ means 
training that— 
‘‘(A) is part of or occurs after completion 
of an accredited graduate program in the 
United States for training mental health service 
professionals; 
‘‘(B) consists of at least 500 hours of 
training or clinical experience in treating chil-
dren or adolescents; and 
‘‘(C) is comprehensive, coordinated, devel-
opmentally appropriate, and of high quality to 
address the unique ethnic and cultural diversity 
of the United States population. 
‘‘(i) AUTHORIZATION OF APPROPRIATIONS.—There 
are authorized to be appropriated to carry out this section 
such sums as may be necessary for fiscal year 2007 and 
such sums as may be necessary for each of the 5 suc-
ceeding fiscal years.’’. 
SEC. 422. ADDITIONAL ADMINISTRATIVE PROVISIONS. 
(a) REPAYMENT PLANS.—Section 428(b)(9)(A) (20 
U.S.C. 1078(b)(9)(A)) is amended by inserting before the 
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CCOLEMAN on PROD1PC71 with BILLS
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semicolon at the end of clause (ii) the following: ‘‘, and 
the Secretary may not restrict the proportions or ratios 
by which such payments may be graduated with the in-
formed agreement of the borrower’’. 
(b) COUNTING OF CONSOLIDATION LOANS AGAINST 
LIMITS.— 
(1) AMENDMENT.—Section 428C(a)(3)(B) (20 
U.S.C. 1078–3(a)(3)(B)) is amended by adding at 
the end the following new clause: 
‘‘(ii) Loans made under this section shall, to 
the extent used to pay off the outstanding principal 
balance on loans made under this title, excluding 
capitalized interest, be counted against the applica-
ble limitations on aggregate indebtedness contained 
in sections 425(a)(2), 428(b)(1)(B), 428H(d), 455, 
and 464(a)(2)(B).’’. 
(2) EFFECTIVE DATE.—The amendments made 
by this subsection shall apply with respect to any 
loan made, insured, or guaranteed under part B or 
part D of title IV of the Higher Education Act of 
1965 for which the first disbursement of principal is 
made on or after the date of enactment of this Act. 
(c) ADDITIONAL CONSOLIDATION LOAN CHANGES.— 
(1) 
ADDITIONAL
AMENDMENTS.—Section 
428C(b)(1) (20 U.S.C. 1078–3(b)(1)) is amended— 
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CCOLEMAN on PROD1PC71 with BILLS
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(A) by striking everything after ‘‘under 
this section’’ the first place it appears in sub-
paragraph (A); 
(B) by striking ‘‘(i) which’’ and all that 
follows through ‘‘and (ii)’’ in subparagraph (C); 
(C) by striking ‘‘and’’ at the end of sub-
paragraph (E); 
(D) by redesignating subparagraph (F) as 
subparagraph (G); and 
(E) by inserting after subparagraph (E) 
the following new subparagraph: 
‘‘(F) that the lender of the consolidation 
loan shall, upon application for such loan, pro-
vide the borrower with a clear and conspicuous 
notice of at least the following information: 
‘‘(i) the effects of consolidation on 
total interest to be paid, fees to be paid, 
and length of repayment; 
‘‘(ii) the effects of consolidation on a 
borrower’s underlying loan benefits, includ-
ing 
loan 
forgiveness, 
cancellation, 
deferment, and reduced interest rates on 
those underlying loans; 
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‘‘(iii) the ability of the borrower to 
prepay the loan, pay on a shorter schedule, 
and to change repayment plans; 
‘‘(iv) that borrower benefit programs 
may vary among different loan holders, 
and a description of how the borrower ben-
efits may vary among different loan hold-
ers; 
‘‘(v) the tax benefits for which bor-
rowers may be eligible; 
‘‘(vi) the consequences of default; and 
‘‘(vii) that by making the application 
the applicant is not obligated to agree to 
take the consolidation loan; and’’. 
(2) EFFECTIVE
DATE
FOR
SINGLE
HOLDER 
AMENDMENT.—The amendment made by paragraph 
(1)(A) shall apply with respect to any loan made 
under section 428C of the Higher Education Act of 
1965 (20 U.S.C. 1078–3) for which the application 
is received by an eligible lender on or after July 1, 
2006. 
(d) VOLUNTARY FLEXIBLE AGREEMENTS.—Section 
428A(c) (20 U.S.C. 1078–1(c)) is amended by striking 
paragraph (3) and inserting the following: 
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‘‘(3) NOTICE TO INTERESTED PARTIES.—Once 
the Secretary reaches a tentative agreement in prin-
ciple under this section, the Secretary shall publish 
in the Federal Register a notice that invites inter-
ested parties to comment on the proposed agree-
ment. The notice shall state how to obtain a copy of 
the tentative agreement in principle and shall give 
interested parties no less than 30 days to provide 
comments. The Secretary may consider such com-
ments prior to providing the notices pursuant to 
paragraph (2).’’. 
(e) FINANCIAL AND ECONOMIC LITERACY.— 
(1) DEFAULT REDUCTION PROGRAM.—Section 
428F is amended by adding at the end the following: 
‘‘(c) FINANCIAL AND ECONOMIC LITERACY.—Where 
appropriate, each program described under subsection (b) 
shall include making available financial and economic edu-
cation materials for the borrower.’’. 
(2) PROGRAM ASSISTANCE FOR BORROWERS.— 
Section 432(k)(1) (20 U.S.C. 1082(k)(1)) is amend-
ed by striking ‘‘and offering’’ and all that follows 
through the period and inserting ‘‘, offering loan re-
payment matching provisions as part of employee 
benefit packages, and providing employees with fi-
nancial and economic education and counseling.’’. 
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