a matching percentage for student loan re-
payment for the individual. 
‘‘(3) OUTREACH.—The Secretary shall post a 
notice on a Department Internet web site regarding 
the availability of loan repayment under this section, 
and shall notify institutions of higher education (in-
cluding Tribal Colleges and Universities) and the 
Bureau of Indian Affairs regarding the availability 
of loan repayment under this section. 
‘‘(c) QUALIFIED LOAN AMOUNTS.—
‘‘(1) PERCENTAGES.—Subject to paragraph (2), 
the Secretary shall assume or cancel the obligation 
to repay under this section—
‘‘(A) 15 percent of the amount of all loans 
made, insured, or guaranteed after the date of 
enactment of the Indian Country Educational 
Empowerment Zone Act to a student under 
part B or D, for each of the first and second 
years of employment in Indian country; 
‘‘(B) 20 percent of such total amount, for 
each of the third and fourth years of such em-
ployment; and 
‘‘(C) 30 percent of such total amount, for 
the fifth year of such employment.
‘‘(2) MAXIMUM.—The Secretary shall not repay 
or cancel under this section more than—
‘‘(A) for any student with a bachelor’s de-
gree, but without a graduate degree, $20,000 in 
the aggregate of loans made, insured, or guar-
anteed under parts B and D; and 
‘‘(B) for any student with a graduate de-
gree, $20,000 of such loans for each year of 
employment. 
‘‘(3) TREATMENT OF CONSOLIDATION LOANS.—
A loan amount for a loan made under section 428C 
may be a qualified loan amount for the purposes of 
this subsection only to the extent that such loan 
amount was used to repay a loan made, insured, or 
guaranteed under part B or D for a borrower who 
meets the requirements of subsection (b)(1), as de-
termined in accordance with regulations prescribed 
by the Secretary. 
‘‘(d) ADDITIONAL REQUIREMENTS.—
‘‘(1) NO
REFUNDING
OF
PREVIOUS
PAY-
MENTS.—Nothing in this section shall be construed 
to authorize the refunding of any repayment of a 
loan made under this part or part D. 
‘‘(2) INTEREST.—If a portion of a loan is re-
paid by the Secretary under this section for any
year, the proportionate amount of interest on such 
loan which accrues for such year shall be repaid by 
the Secretary. 
‘‘(3) DOUBLE BENEFITS PROHIBITED.—
‘‘(A) INELIGIBILITY OF NATIONAL SERVICE 
AWARD
RECIPIENTS.—No student borrower 
may, for the same service, receive a benefit 
under both this section and subtitle D of title 
I of the National and Community Service Act 
of 1990 (42 U.S.C. 12601 et seq.). 
‘‘(B) DOUBLE FORGIVENESS.—No student 
borrower may, for the same service, receive a 
benefit under both this section and section 
428J, 428K, or 460 of this Act or section 108 
of the Indian Health Care Improvement Act 
(25 U.S.C. 1616a). 
‘‘(4) REPAYMENT TO ELIGIBLE LENDERS.—The 
Secretary shall pay to each eligible lender or holder 
for each fiscal year an amount equal to the aggre-
gate amount of loans which are subject to repayment 
pursuant to this section for such year. 
‘‘(e) APPLICATION FOR REPAYMENT.—
‘‘(1) IN GENERAL.—Each eligible individual de-
siring loan repayment under this section shall sub-
mit a complete and accurate application to the Sec-
retary at such time, in such manner, and containing 
such information as the Secretary may require. Such 
application shall contain verification from the em-
ployer of the employment in Indian country. 
‘‘(2) CONDITIONS.—An eligible individual may 
apply for loan repayment under this section after 
completing each year of employment in Indian coun-
try. The borrower shall receive forbearance while en-
gaged in such employment unless the borrower is in 
deferment while so engaged. 
‘‘(f) REGULATIONS.—The Secretary is authorized to 
issue such regulations as may be necessary to carry out 
the provisions of this section. 
‘‘(g) AUTHORIZATION OF APPROPRIATIONS.—There 
are authorized to be appropriated to carry out this section 
$20,000,000 for fiscal year 2005, and such sums as may 
be necessary for each of the 4 succeeding fiscal years. 
‘‘(h) DEFINITION OF INDIAN TRIBE.—In this section, 
the term ‘Indian tribe’ means any Indian tribe, band, na-
tion, or other organized group or community, including 
any Alaska Native village, which is recognized as eligible 
for the special programs and services provided by the 
United States to Indians because of their status as Indi-
ans.’’.
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