requirements to participate in such pro-
gram. 
‘‘(6) DEFINITIONS.—In this subsection: 
‘‘(A) ELIGIBLE LOAN.—The term ‘eligible 
loan’ means a Federal Direct Stafford Loan, 
Federal Direct PLUS Loan, or Federal Direct 
Unsubsidized Stafford Loan, a Federal Direct 
Consolidation Loan, Federal Family Education 
Loan, Federal Perkins Loan, or a private edu-
cation loan. 
‘‘(B) PRIVATE
EDUCATION
LOAN.—The 
term ‘private education loan’ has the meaning 
given the term in section 140 of the Truth in 
Lending Act (15 U.S.C. 1650). 
‘‘(C) QUALIFYING AREA.—The term ‘quali-
fying area’ means— 
‘‘(i) any city or town which has a pop-
ulation of less than 20,000 inhabitants 
other than a city or town in a densely set-
tled area or adjacent to, or closely associ-
ated with, one or more cities or towns 
which, considered collectively, do not meet 
the criteria of this subparagraph; 
‘‘(ii) any city or town which has a 
population of greater than or equal to 
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20,000 inhabitants and less than 100,000 
inhabitants that with respect to which, 
during the most recent 10-year period, the 
net population loss from the area equals or 
exceeds 0 percent of the population of the 
area other than a city or town in a densely 
settled area or adjacent to, or closely asso-
ciated with, one or more cities or towns 
which, considered collectively, do not meet 
the criteria of this subparagraph; 
‘‘(iii) any city or town which has a 
population of greater than or equal to 
100,000 inhabitants and less than 150,000 
inhabitants that— 
‘‘(I) with respect to which, dur-
ing the most recent 10-year period, 
the net population loss from the area 
equals or exceeds 0 percent of the 
population of the area; 
‘‘(II) the Secretary of Education, 
in consultation with the Secretary of 
Commerce, determines would economi-
cally benefit from serving as a quali-
fying geographic area; and 
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‘‘(III) is not in a densely settled 
area or adjacent to, or closely associ-
ated with, one or more cities or towns 
which, considered collectively, do not 
meet the criteria of this subpara-
graph; or 
‘‘(iv) any city or town not described in 
clauses (i) through (iii) which has a popu-
lation of less than 300,000 inhabitants— 
‘‘(I) that is included in a major 
disaster declared by the President 
under section 401 of the Robert T. 
Stafford Disaster Relief and Emer-
gency Assistance Act (42 U.S.C. 
5170) (not including the major dis-
aster declared by reason of the novel 
coronavirus (COVID–19)) during the 
five-year period preceding the date on 
which a borrower is enrolled in the 
program under this subsection; 
‘‘(II) that— 
‘‘(aa) the Secretary of Edu-
cation, in consultation with the 
Secretary of Commerce, deter-
mines would economically benefit 
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from serving as a qualifying geo-
graphic area; or 
‘‘(bb) the Secretary of Edu-
cation, in consultation with the 
Secretary of Commerce and the 
Secretary of Housing and Urban 
Development, determines would 
support community recovery by 
serving as a qualifying geo-
graphic area; and 
‘‘(III) is not adjacent to, or close-
ly associated with, one or more cities 
or towns which, considered collec-
tively, do not meet the criteria of this 
subparagraph. 
‘‘(D) FAIR DEBT COLLECTION PRACTICES 
ACT
TERMS.—The terms ‘creditor’ and ‘debt 
collector’ have the meaning given those terms, 
respectively, under section 803 of the Fair Debt 
Collection Practices Act (15 U.S.C. 1692a).’’. 
Æ 
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