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vides that the study under such subsection will 
consider the perspectives of nurses and physi-
cians in each of the various types of inpatient, 
outpatient, and residential facilities in the 
health care delivery system; faculty and admin-
istrators of schools of nursing; providers of 
health plans or health insurance; and con-
sumers. 
(B) CONSULTATION WITH RELEVANT OR-
GANIZATION.—The Secretary shall ensure that 
the agreement under paragraph (1) provides 
that relevant agencies and organizations with 
expertise on the nursing shortage will be con-
sulted with respect to the study under such sub-
section, including but not limited to the fol-
lowing: 
(i) The Agency for Healthcare Re-
search and Quality. 
(ii) The American Academy of Nurs-
ing. 
(iii) The American Association of Col-
leges of Nursing. 
(iv) The American Nurses Associa-
tion. 
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(v) The American Organization of 
Nurse Executives. 
(vi) The National Institute of Nursing 
Research. 
(vii) The National League for Nurs-
ing. 
(viii) The National Organization for 
Associate Degree Nursing. 
(ix) The National Student Nurses As-
sociation. 
(5) REPORT.—The Secretary shall ensure that 
the agreement under paragraph (1) provides that 
not later than 18 months after the date of the enact-
ment of this section, a report providing the findings 
and recommendations made in the study under such 
subsection will be submitted to the Secretary, the 
Committee on Energy and Commerce of the House 
of Representatives, and the Committee on Health, 
Education, Labor, and Pensions of the Senate. 
(6) OTHER ORGANIZATION.—If the Institute de-
clines to conduct the study under paragraph (1), the 
Secretary may enter into an agreement with another 
appropriate private entity to conduct the study. 
(c) DEFINITIONS.—For purposes of this section: 
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(1) The term ‘‘Institute’’ means the Institute of 
Medicine of the National Academy of Sciences. 
(2)(A) The term ‘‘school of nursing’’ means a 
collegiate, associate degree, or diploma school of 
nursing in a State. 
(B) The terms ‘‘collegiate school of nursing’’, 
‘‘associate degree school of nursing’’, and ‘‘diploma 
school of nursing’’ have the meanings given to such 
terms in section 801 of the Public Health Service 
Act. 
(3) The term ‘‘Secretary’’ means the Secretary 
of Education. 
SEC. 818. STUDY OF THE IMPACT OF STUDENT LOAN DEBT 
ON PUBLIC SERVICE. 
(a) STUDY.—The Secretary of Education, in con-
sultation with the Office of Management and Budget, is 
authorized to coordinate with an organization with exper-
tise in the field of public service, such as the National 
Academy of Public Administrators or the American Soci-
ety for Public Administration, to coordinate with inter-
ested parties to conduct a study of how student loan debt 
levels impact the decisions of graduates of postsecondary 
and graduate education programs to enter into public 
service careers. Such study shall include— 
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ceived by students resulting from expanding Federal 
aid for less-than-half-time students seeking a college 
degree or certificate. 
(4) The barriers to expanding Federal aid for 
less-than-half-time students, including identifying— 
(A) statutory and regulatory barriers, such 
as student eligibility, institutional eligibility, 
need analysis, program integrity, and award 
amounts; and 
(B) other factors that may limit participa-
tion in an expanded Federal aid program for 
less-than-half-time students. 
(c) RECOMMENDATIONS
TO BE PROVIDED.—The 
Secretary’s recommendations under this section shall in-
clude recommendations for designing a demonstration stu-
dent loan program tailored to less-than-half-time students. 
The recommendations shall include any required statutory 
or regulatory modifications, as well as proposed account-
ability mechanisms to protect students, institutions, and 
the Federal investment in higher education. 
(d) DEFINITIONS.—As used in this section: 
(1) the term ‘‘Secretary’’ means the Secretary 
of Education; 
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(2) the term ‘‘authorizing committees’’ has the 
meaning provided in section 103 of the Higher Edu-
cation Act of 1965, as amended by this Act; 
(3) the term ‘‘less-than-half-time student’’ 
means a student who is carrying less than one-half 
the normal full-time work load for the course of 
study that the student is pursuing, as determined by 
the institution such student is attending. 
SEC. 821. ESTABLISHMENT OF PILOT PROGRAM FOR 
COURSE MATERIAL RENTAL. 
(a) PILOT GRANT PROGRAM.—From the amounts ap-
propriated pursuant to subsection (e), the Secretary shall 
make grants on a competitive basis to not more than 10 
institutions of higher education to support pilot programs 
that expand the services of bookstores to provide the op-
tion for students to rent course materials in order to 
achieve savings for students. 
(b) APPLICATION.—An institution of higher edu-
cation that desires to obtain a grant under this section 
shall submit an application to the Secretary at such time, 
in such form, and containing or accompanied by such in-
formation, agreements, and assurances as the Secretary 
may reasonably require. 
(c) USE OF FUNDS.—The funds made available by 
a grant under this section may be used for— 
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(1) purchase of course materials that the entity 
will make available by rent to students; 
(2) any equipment or software necessary for the 
conduct of a rental program; 
(3) hiring staff needed for the conduct of a 
rental program, with priority given to hiring enrolled 
undergraduate students; and 
(4) building or acquiring extra storage space 
dedicated to course materials for rent. 
(d) EVALUATION AND REPORT.— 
(1) EVALUATIONS BY RECIPIENTS.—After a pe-
riod of time to be determined by the Secretary, each 
institution of higher education that receives a grant 
under this section shall submit a report to the Sec-
retary on the effectiveness of their rental programs 
in reducing textbook costs for students. 
(2) REPORT
TO
CONGRESS.—Not later than 
September 30, 2010, the Secretary shall submit a 
report to Congress on the effectiveness of the text-
book rental pilot programs under this section, and 
identify the best practices developed in such pilot 
programs. Such report shall contain an estimate by 
the Secretary of the savings achieved by students 
who participate in such pilot programs. 
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(e) AUTHORIZATION
OF APPROPRIATIONS.—There 
are authorized to be appropriated to carry out this section 
$50,000,000 for fiscal year 2009 and 2010. 
TITLE IX—AMENDMENTS TO 
OTHER LAWS 
PART A—EDUCATION OF THE DEAF ACT OF 1986 
SEC. 901. LAURENT CLERC NATIONAL DEAF EDUCATION 
CENTER. 
Section 104 of the Education of the Deaf Act of 1986 
(20 U.S.C. 4304) is amended— 
(1) by striking the section heading and insert-
ing ‘‘LAURENT
CLERC
NATIONAL
DEAF
EDU-
CATION CENTER’’; 
(2) in subsection (a)(1)(A), by inserting ‘‘the 
Laurent Clerc National Deaf Education Center (re-
ferred to in this section as the ‘Clerc Center’) to 
carry out’’ after ‘‘maintain and operate’’; and 
(3) in subsection (b)— 
(A) in the matter preceding subparagraph 
(A) of paragraph (1), by striking ‘‘elementary 
and secondary education programs’’ and insert-
ing ‘‘Clerc Center’’; 
(B) in paragraph (2), by striking ‘‘elemen-
tary and secondary education programs’’ and 
inserting ‘‘Clerc Center’’; 
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(C) in paragraph (4)(C)— 
(i) in clause (i), by striking ‘‘(6)’’ and 
inserting ‘‘(8)’’; and 
(ii) in clause (vi), by striking ‘‘(m)’’ 
and inserting ‘‘(o)’’; and 
(D) by adding at the end the following: 
‘‘(5) The University, for purposes of the elementary 
and secondary education programs carried out at the Clerc 
Center, shall— 
‘‘(A)(i) select challenging academic content 
standards, challenging student academic achieve-
ment standards, and academic assessments of a 
State, adopted and implemented, as appropriate, 
pursuant to paragraphs (1) and (3) of section 
1111(b) of the Elementary and Secondary Edu-
cation Act of 1965 (20 U.S.C. 6311(b)(1) and (3)) 
and approved by the Secretary; and 
‘‘(ii) implement such standards and assess-
ments for such programs by not later than the be-
ginning of the 2009–2010 academic year; 
‘‘(B) annually determine whether such pro-
grams at the Clerc Center are making adequate 
yearly progress, as determined according to the defi-
nition of adequate yearly progress defined (pursuant 
to section 1111(b)(2)(C) of such Act (20 U.S.C. 
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6311(b)(2)(C))) by the State that has adopted and 
implemented the standards and assessments selected 
under subparagraph (A)(i); and 
‘‘(C) publicly report the results of the academic 
assessments implemented under subparagraph (A), 
except where such reporting would not yield statis-
tically reliable information or would reveal personally 
identifiable information about an individual student, 
and whether the programs at the Clerc Center are 
making adequate yearly progress, as determined 
under subparagraph (B).’’. 
SEC. 902. AGREEMENT WITH GALLAUDET UNIVERSITY. 
Section 105(b)(4) of the Education of the Deaf Act 
of 1986 (20 U.S.C. 4305(b)(4)) is amended— 
(1) by striking ‘‘the Act of March 3, 1931 (40 
U.S.C. 276a–276a–5) commonly referred to as the 
Davis-Bacon Act’’ and inserting ‘‘subchapter IV of 
chapter 31 of title 40, United States Code, com-
monly referred to as the Davis-Bacon Act’’; and 
(2) by striking ‘‘section 2 of the Act of June 
13, 1934 (40 U.S.C. 276c)’’ and inserting ‘‘section 
3145 of title 40, United States Code’’. 
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SEC. 903. AGREEMENT FOR THE NATIONAL TECHNICAL IN-
STITUTE FOR THE DEAF. 
Section 112 of the Education of the Deaf Act of 1986 
(20 U.S.C. 4332) is amended— 
(1) in subsection (a)— 
(A) in paragraph (1), by striking the sec-
ond sentence; 
(B) by redesignating paragraph (2) as 
paragraph (3); and 
(C) by inserting after paragraph (1) the 
following: 
‘‘(2) If, pursuant to the agreement established under 
paragraph (1), either the Secretary or the institution of 
higher education terminates the agreement, the Secretary 
shall consider proposals from other institutions of higher 
education and enter into an agreement with one of those 
institutions for the establishment and operation of a Na-
tional Technical Institute for the Deaf.’’; and 
(2) in subsection (b)— 
(A) in paragraph (3), by striking ‘‘Com-
mittee on Labor and Human Resources of the 
Senate’’ and inserting ‘‘Committee on Health, 
Education, Labor, and Pensions of the Senate’’; 
and 
(B) in paragraph (5)— 
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(i) by striking ‘‘the Act of March 3, 
1931 (40 U.S.C. 276a—276a–5) com-
monly referred to as the Davis-Bacon Act’’ 
and inserting ‘‘subchapter IV of chapter 
31 of title 40, United States Code, com-
monly referred to as the Davis-Bacon 
Act’’; and 
(ii) by striking ‘‘section 2 of the Act 
of June 13, 1934 (40 U.S.C. 276c)’’ and 
inserting ‘‘section 3145 of title 40, United 
States Code’’. 
SEC. 904. AUDIT. 
Section 203 of the Education of the Deaf Act of 1986 
(20 U.S.C. 4353) is amended— 
(1) in subsection (b)— 
(A) in paragraph (2), by striking ‘‘sec-
tions’’ and all that follows through the period 
and inserting ‘‘sections 102(b), 105(b)(4), 
112(b)(5), 203(c), 207(b)(2), subsections (c) 
through (f) of section 207, and subsections (b) 
and (c) of section 209.’’; and 
(B) in paragraph (3), by inserting ‘‘and 
the Committee on Education and Labor of the 
House of Representatives and the Committee 
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on Health, Education, Labor, and Pensions of 
the Senate’’ after ‘‘Secretary’’; and 
(2) in subsection (c)(2)(A), by striking ‘‘Com-
mittee on Labor and Human Resources of the Sen-
ate’’ and inserting ‘‘Committee on Health, Edu-
cation, Labor, and Pensions of the Senate’’. 
SEC. 905. REPORTS. 
Section 204 of the Education of the Deaf Act of 1986 
(20 U.S.C. 4354) is amended— 
(1) in the matter preceding paragraph (1), by 
striking ‘‘Committee on Labor and Human Re-
sources of the Senate’’ and inserting ‘‘Committee on 
Health, Education, Labor, and Pensions of the Sen-
ate’’; 
(2) in paragraph (1), by striking ‘‘pre-
paratory,’’; 
(3) in paragraph (2)(C), by striking ‘‘upon 
graduation/completion’’ and inserting ‘‘on the date 
that is 1 year after the date of graduation or com-
pletion’’; and 
(4) in paragraph (3)(B), by striking ‘‘of the in-
stitution of higher education’’ and all that follows 
through ‘‘section 203’’ and inserting ‘‘of NTID pro-
grams and activities’’. 
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‘‘(A) will be used to determine the amount 
of a tuition surcharge reduction pursuant to 
paragraph (1); and 
‘‘(B) shall be approved by the Secretary. 
‘‘(d) DEFINITION.—In this section, the term ‘devel-
oping country’ means a country with a per-capita income 
of not more than $5,345, measured in 2005 United States 
dollars, as adjusted by the Secretary to reflect inflation 
since 2005.’’. 
SEC. 911. RESEARCH PRIORITIES. 
Section 210(b) of the Education of the Deaf Act of 
1986 (20 U.S.C. 4359b(b)) is amended by striking ‘‘Com-
mittee on Education and the Workforce of the House of 
Representatives, and the Committee on Labor and Human 
Resources of the Senate’’ and inserting ‘‘Committee on 
Education and Labor of the House of Representatives, 
and the Committee on Health, Education, Labor, and 
Pensions of the Senate’’. 
SEC. 912. NATIONAL STUDY ON THE EDUCATION OF THE 
DEAF. 
(a) CONDUCT OF STUDY.—Subsection (a)(1) of sec-
tion 211 of the Education of the Deaf Act of 1986 (20 
U.S.C. 4360) is amended by inserting after ‘‘The Sec-
retary shall’’ the following: ‘‘establish a commission on the 
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education of the deaf (in this section referred to as the 
‘commission’) to’’. 
(b) PUBLIC INPUT AND CONSULTATION.—Subsection 
(b) of such section is amended by striking ‘‘Secretary’’ 
each place it appears and inserting ‘‘commission’’. 
(c) REPORT.—Subsection (c) of such section is 
amended— 
(1) in the matter preceding paragraph (1), by 
striking ‘‘Secretary’’ and all that follows through 
‘‘1998’’ and inserting ‘‘commission shall report to 
the Secretary and Congress not later than 18 
months after the date of the enactment of the Col-
lege Opportunity and Affordability Act of 2008’’; 
and 
(2) in paragraph (1)— 
(A) by striking ‘‘recommendations,’’ and 
inserting ‘‘recommendations relating to edu-
cated-related factors that contribute to success-
ful postsecondary education experiences and 
employment for individuals who are deaf,’’; and 
(B) by striking ‘‘Secretary’’ and inserting 
‘‘commission’’. 
(d) AUTHORIZATION
OF
APPROPRIATIONS.—Sub-
section (d) of such section is amended by striking 
‘‘$1,000,000 for each of the fiscal years 1999 and 2000’’ 
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and inserting ‘‘such sums as may be necessary for each 
of the fiscal years 2008 and 2009’’. 
SEC. 913. AUTHORIZATION OF APPROPRIATIONS. 
Section 212 of the Education of the Deaf Act of 1986 
(20 U.S.C. 4360a) is amended— 
(1) in subsection (a), in the matter preceding 
paragraph (1), by striking ‘‘fiscal years 1998 
through 2003’’ and inserting ‘‘fiscal years 2008 
through 2013’’; and 
(2) in subsection (b), by striking ‘‘fiscal years 
1998 through 2003’’ and inserting ‘‘fiscal years 
2008 through 2013’’. 
PART B—INDIAN EDUCATION 
Subpart 1—Tribal Colleges and Universities 
SEC. 921. REAUTHORIZATION OF THE TRIBALLY CON-
TROLLED COLLEGE OR UNIVERSITY ASSIST-
ANCE ACT OF 1978. 
(a) CLARIFICATION
OF
THE DEFINITION
OF NA-
TIONAL INDIAN ORGANIZATION.—Section 2(a)(6) of the 
Tribally Controlled College or University Assistance Act 
of 1978 (25 U.S.C. 1801(a)(6)) is amended by striking 
‘‘in the field of Indian education’’ and inserting ‘‘in the 
fields of tribally controlled colleges and universities and 
Indian higher education’’. 
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(b) INDIAN STUDENT COUNT.—Section 2(a) of the 
Tribally Controlled College or University Assistance Act 
of 1978 (25 U.S.C. 1801(a)) is amended— 
(1) by redesignating paragraphs (7) and (8) as 
paragraphs (8) and (9), respectively; and 
(2) by inserting after paragraph (6) the fol-
lowing: 
‘‘(7) ‘Indian student’ means a student who is— 
‘‘(A) a member of an Indian tribe; or 
‘‘(B) a biological child of a member of an 
Indian tribe, living or deceased;’’. 
(c) CONTINUING EDUCATION.—Section 2(b) of the 
Tribally Controlled College or University Assistance Act 
of 1978 (25 U.S.C. 1801(b)) is amended— 
(1) in the matter preceding paragraph (1), by 
striking ‘‘paragraph (7) of subsection (a)’’ and in-
serting ‘‘subsection (a)(8)’’; 
(2) by striking paragraph (5) and inserting the 
following: 
‘‘(5) DETERMINATION
OF
CREDITS.—Eligible 
credits earned in a continuing education program— 
‘‘(A) shall be determined as 1 credit for 
every 10 contact hours in the case of an institu-
tion on a quarter system, or 15 contact hours 
in the case of an institution on a semester sys-
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tem, of participation in an organized continuing 
education experience under responsible sponsor-
ship, capable direction, and qualified instruc-
tion, as described in the criteria established by 
the International Association for Continuing 
Education and Training; and 
‘‘(B) shall be limited to 10 percent of the 
Indian student count of a tribally controlled col-
lege or university.’’; and 
(3) by striking paragraph (6). 
(d) ACCREDITATION REQUIREMENT.—Section 103 of 
the Tribally Controlled College or University Assistance 
Act of 1978 (25 U.S.C. 1804) is amended— 
(1) in paragraph (2), by striking ‘‘and’’ at the 
end; 
(2) in paragraph (3), by striking the period at 
the end and inserting ‘‘; and’’; and 
(3) by inserting after paragraph (3), the fol-
lowing: 
‘‘(4)(A) is accredited by a nationally recognized 
accrediting agency or association determined by the 
Secretary of Education to be a reliable authority 
with regard to the quality of training offered; or 
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‘‘(B) according to such an agency or associa-
tion, is making reasonable progress toward accredi-
tation.’’. 
(e) TECHNICAL ASSISTANCE CONTRACTS.—Section 
105 of the Tribally Controlled College or University As-
sistance Act of 1978 (25 U.S.C. 1805) is amended— 
(1) by striking the section designation and 
heading and all that follows through ‘‘The Secretary 
shall’’ and inserting the following: 
‘‘SEC. 105. TECHNICAL ASSISTANCE CONTRACTS. 
‘‘(a) TECHNICAL ASSISTANCE.— 
‘‘(1) IN GENERAL.—The Secretary shall’’; 
(2) in the second sentence, by striking ‘‘In the 
awarding of contracts for technical assistance, pref-
erence shall be given’’ and inserting the following: 
‘‘(2) DESIGNATED
ORGANIZATION.—The Sec-
retary shall require that a contract for technical as-
sistance under paragraph (1) shall be awarded’’; and 
(3) in the third sentence, by striking ‘‘No au-
thority’’ and inserting the following: 
‘‘(b) EFFECT OF SECTION.—No authority’’. 
(f) AMOUNT
OF GRANTS.—Section 108(a) of the 
Tribally Controlled College or University Assistance Act 
of 1978 (25 U.S.C. 1808(a)) is amended— 
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(1) by redesignating paragraphs (1) and (2) as 
subparagraphs (A) and (B), respectively, and indent-
ing the subparagraphs appropriately; 
(2) by striking ‘‘(a) Except as provided in sec-
tion 111,’’ and inserting the following: 
‘‘(a) REQUIREMENT.— 
‘‘(1) IN GENERAL.—Except as provided in para-
graph (2) and section 111,’’; 
(3) in paragraph (1) (as redesignated by para-
graphs (1) and (2))— 
(A) in the matter preceding subparagraph 
(A) (as redesignated by paragraph (1))— 
(i) by striking ‘‘him’’ and inserting 
‘‘the Secretary’’; and 
(ii) by striking ‘‘product of’’ and in-
serting ‘‘product obtained by multiplying’’; 
(B) in subparagraph (A) (as redesignated 
by paragraph (1)), by striking ‘‘section 2(a)(7)’’ 
and inserting ‘‘section 2(a)(8)’’; and 
(C) in subparagraph (B) (as redesignated 
by paragraph (1)), by striking ‘‘$6,000,’’ and 
inserting ‘‘$8,000, as adjusted annually for in-
flation.’’; and 
(4) by striking ‘‘except that no grant shall ex-
ceed the total cost of the education program pro-
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tion 117(h) of the Carl D. Perkins Career and 
Technical Education Act of 2006 (20 U.S.C. 
2327(h))) of such institutions for the prior aca-
demic year; and 
‘‘(B) multiplying the quotient described in 
subparagraph (A) by the Indian student count 
of each such institution for the prior academic 
year. 
‘‘SEC. 503. APPLICABILITY OF OTHER LAWS. 
‘‘(a) IN GENERAL.—Paragraphs (4) and (7) of sub-
section (a), and subsection (b), of section 2, sections 105, 
108, 111, 112 and 113, and titles II, III, and IV shall 
not apply to this title. 
‘‘(b) INDIAN
SELF-DETERMINATION
AND
EDU-
CATION ASSISTANCE.—Funds made available pursuant to 
this title shall be subject to the Indian Self-Determination 
and Education Assistance Act (25 U.S.C. 450 et seq.). 
‘‘(c) ELECTION TO RECEIVE.—A tribally controlled 
postsecondary career and technical institution selected for 
a fiscal year under section 502(b) may elect to receive 
funds pursuant to section 502 in accordance with an 
agreement between the tribally controlled postsecondary 
career and technical institution and the Secretary under 
the Indian Self-Determination and Education Assistance 
Act (25 U.S.C. 450 et seq.) if the agreement is in exist-
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ence on the date of enactment of the College Opportunity 
and Affordability Act of 2008. 
‘‘(d) OTHER ASSISTANCE.—Eligibility for, or receipt 
of, assistance under this title shall not preclude the eligi-
bility of a tribally controlled postsecondary career and 
technical institutions to receive Federal financial assist-
ance under— 
‘‘(1) any program under the Higher Education 
Act of 1965 (20 U.S.C. 1001 et seq.); 
‘‘(2) any program under the Carl D. Perkins 
Career and Technical Education Act of 2006; or 
‘‘(3) any other applicable program under which 
a benefit is provided for— 
‘‘(A) institutions of higher education; 
‘‘(B) community colleges; or 
‘‘(C) postsecondary educational institu-
tions. 
‘‘SEC. 504. AUTHORIZATION OF APPROPRIATIONS. 
‘‘There are authorized to be appropriated such sums 
as are necessary for fiscal year 2008 and each fiscal year 
thereafter to carry out this title.’’. 
(2) CONFORMING AMENDMENTS.—Section 117 
of the Carl D. Perkins Career and Technical Edu-
cation Act of 2006 (20 U.S.C. 2327) is amended— 
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(A) by striking subsection (a) and insert-
ing the following: 
‘‘(a) GRANT PROGRAM.—Subject to the availability of 
appropriations, the Secretary shall make grants under this 
section, to provide basic support for the education and 
training of Indian students, to tribally controlled postsec-
ondary career and technical institutions that are not re-
ceiving Federal assistance as of the date on which the 
grant is provided under— 
‘‘(1) title I of the Tribally Controlled College or 
University Assistance Act of 1978 (25 U.S.C. 1802 
et seq.); or 
‘‘(2) the Navajo Community College Act (25 
U.S.C. 640a et seq.).’’; and 
(B) by striking subsection (d) and insert-
ing the following: 
‘‘(d) APPLICATIONS.—To be eligible to receive a 
grant under this section, a tribally controlled postsec-
ondary career and technical institution that is not receiv-
ing Federal assistance under title I of the Tribally Con-
trolled College or University Assistance Act (25 U.S.C. 
1802 et seq.) or the Navajo Community College Act (25 
U.S.C. 640a et seq.) shall submit to the Secretary an ap-
plication at such time, in such manner, and containing 
such information as the Secretary may require.’’. 
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(k) SHORT TITLE.— 
(1) IN GENERAL.—The first section of the Trib-
ally Controlled College or University Assistance Act 
of 1978 (25 U.S.C. 1801 note; Public Law 95–471) 
is amended to read as follows: 
‘‘SEC. 1. SHORT TITLE. 
‘‘This Act may be cited as the ‘Tribally Controlled 
Colleges and Universities Assistance Act of 1978’.’’. 
(2) REFERENCES.—Any reference in law (in-
cluding regulations) to the Tribally Controlled Col-
lege or University Assistance Act of 1978 shall be 
considered to be a reference to the ‘‘Tribally Con-
trolled Colleges and Universities Assistance Act of 
1978’’. 
Subpart 2—Navajo Higher Education 
SEC. 931. REAUTHORIZATION OF NAVAJO COMMUNITY COL-
LEGE ACT. 
(a) PURPOSE.—Section 2 of the Navajo Community 
College Act (25 U.S.C. 640a) is amended— 
(1) by striking ‘‘Navajo Tribe of Indians’’ and 
inserting ‘‘Navajo Nation’’; and 
(2) by striking ‘‘the Navajo Community Col-
lege’’ and inserting ‘‘Dine´ College’’. 
(b) GRANTS.—Section 3 of the Navajo Community 
College Act (25 U.S.C. 640b) is amended— 
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(1) in the first sentence— 
(A) by inserting ‘‘the’’ before ‘‘Interior’’; 
(B) by striking ‘‘Navajo Tribe of Indians’’ 
and inserting ‘‘Navajo Nation’’; and 
(C) by striking ‘‘the Navajo Community 
College’’ and inserting ‘‘Dine´ College’’; and 
(2) in the second sentence— 
(A) by striking ‘‘Navajo Tribe’’ and insert-
ing ‘‘Navajo Nation’’; and 
(B) by striking ‘‘Navajo Indians’’ and in-
serting ‘‘Navajo people’’. 
(c) STUDY OF FACILITIES NEEDS.—Section 4 of the 
Navajo Community College Act (25 U.S.C. 640c) is 
amended— 
(1) in subsection (a)— 
(A) in the first sentence— 
(i) by striking ‘‘the Navajo Commu-
nity College’’ and inserting ‘‘Dine´ College’’; 
and 
(ii) by striking ‘‘August 1, 1979’’ and 
inserting ‘‘October 31, 2010’’; and 
(B) in the second sentence, by striking 
‘‘Navajo Tribe’’ and inserting ‘‘Navajo Nation’’; 
(2) in subsection (b), by striking ‘‘the date of 
enactment of the Tribally Controlled Community 
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College Assistance Act of 1978’’ and inserting ‘‘Oc-
tober 1, 2007’’; and 
(3) in subsection (c), in the first sentence, by 
striking ‘‘the Navajo Community College’’ and in-
serting ‘‘Dine´ College’’. 
(d) AUTHORIZATION OF APPROPRIATIONS.—Section 
5 of the Navajo Community College Act (25 U.S.C. 640c– 
1) is amended— 
(1) in subsection (a)— 
(A) 
in 
paragraph 
(1), 
by 
striking 
‘‘$2,000,000’’ and all that follows through the 
end of the paragraph and inserting ‘‘such sums 
as are necessary for fiscal years 2008 through 
2013.’’; and 
(B) by adding at the end the following: 
‘‘(3) Sums described in paragraph (2) shall be used 
to provide grants for construction activities, including the 
construction of buildings, water and sewer facilities, roads, 
information technology and telecommunications infra-
structure, classrooms, and external structures (such as 
walkways).’’; 
(2) in subsection (b)(1)— 
(A) in the matter preceding subparagraph 
(A)— 
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(i) by striking ‘‘the Navajo Commu-
nity College’’ and inserting ‘‘Dine´ College’’; 
and 
(ii) by striking ‘‘, for each fiscal year’’ 
and all that follows through ‘‘for—’’ and 
inserting ‘‘such sums as are necessary for 
fiscal years 2008 through 2013 to pay the 
cost of—’’; 
(B) in subparagraph (A)— 
(i) by striking ‘‘college’’ and inserting 
‘‘College’’; 
(ii) in clauses (i) and (iii), by striking 
the commas at the end of the clauses and 
inserting semicolons; and 
(iii) in clause (ii), by striking ‘‘, and’’ 
at the end and inserting ‘‘; and’’; 
(C) in subparagraph (B), by striking the 
comma at the end and inserting a semicolon; 
(D) in subparagraph (C), by striking ‘‘, 
and’’ at the end and inserting a semicolon; 
(E) in subparagraph (D), by striking the 
period at the end and inserting ‘‘; and’’; and 
(F) by adding at the end the following: 
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‘‘(E) improving and expanding the College, 
including by providing, for the Navajo people 
and others in the community of the College— 
‘‘(i) higher education programs; 
‘‘(ii) career and technical education; 
‘‘(iii) activities relating to the preser-
vation and protection of the Navajo lan-
guage, philosophy, and culture; 
‘‘(iv) employment and training oppor-
tunities; 
‘‘(v) economic development and com-
munity outreach; and 
‘‘(vi) a safe learning, working, and liv-
ing environment.’’; and 
(3) in subsection (c), by striking ‘‘the Navajo 
Community College’’ and inserting ‘‘Dine´ College’’. 
(e) EFFECT ON OTHER LAWS.—Section 6 of the 
Navajo Community College Act (25 U.S.C. 640c–2) is 
amended— 
(1) by striking ‘‘the Navajo Community Col-
lege’’ each place it appears and inserting ‘‘Dine´ Col-
lege’’; and 
(2) in subsection (b), by striking ‘‘college’’ and 
inserting ‘‘College’’. 
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(f) PAYMENTS; INTEREST.—Section 7 of the Navajo 
Community College Act (25 U.S.C. 640c–3) is amended 
by striking ‘‘the Navajo Community College’’ each place 
it appears and inserting ‘‘Dine´ College’’. 
PART C—HIGHER EDUCATION AMENDMENTS OF 
1998; HIGHER EDUCATION AMENDMENTS OF 1992 
SEC. 941. GRANTS FOR TRAINING FOR INCARCERATED IN-
DIVIDUALS. 
Part D of title VIII of the Higher Education Amend-
ments of 1998 (20 U.S.C. 1151) is amended to read as 
follows: 
‘‘PART D—GRANTS FOR TRAINING FOR 
INCARCERATED INDIVIDUALS 
‘‘SEC. 821. GRANTS FOR IMPROVED WORKPLACE AND COM-
MUNITY TRANSITION TRAINING FOR INCAR-
CERATED INDIVIDUALS. 
‘‘(a) DEFINITION.—In this section: 
‘‘(1) INCARCERATED
INDIVIDUAL.—The term 
‘incarcerated individual’ means a male or female of-
fender who is incarcerated in a State prison, includ-
ing a prerelease facility. 
‘‘(2) SECRETARY.—The term ‘Secretary’ means 
the Secretary of Education. 
‘‘(b) GRANT PROGRAM.—The Secretary— 
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‘‘(1) shall establish a program in accordance 
with this section to provide grants to the State cor-
rectional education agencies in the States to assist 
and encourage incarcerated individuals to acquire 
educational and job skills, through— 
‘‘(A) coursework to prepare students to 
take college-level courses, such as remedial 
math and English for postsecondary prepara-
tion; 
‘‘(B) the pursuit of a postsecondary edu-
cation certificate, or an associate or bachelor’s 
degree, provided by a regionally or nationally 
accredited body while in prison; and 
‘‘(C) employment counseling and other re-
lated services which start during incarceration 
and end not later than 1 year after release from 
confinement; and 
‘‘(2) may establish such performance objectives 
and reporting requirements for State correctional 
education agencies receiving grants under this sec-
tion as the Secretary determines are necessary to as-
sess the effectiveness of the program under this sec-
tion. 
‘‘(c) APPLICATION.—To be eligible for a grant under 
this section, a State correctional education agency shall 
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submit to the Secretary a proposal for an incarcerated in-
dividual program that— 
‘‘(1) identifies the scope of the problem, includ-
ing the number of incarcerated individuals in need 
of postsecondary education and vocational training; 
‘‘(2) lists the accredited public or private edu-
cational institution or institutions with campuses es-
tablished outside the prison facility that will provide 
postsecondary preparatory or postsecondary edu-
cational services; 
‘‘(3) lists the cooperating agencies, public and 
private, or businesses that will provide related serv-
ices, such as counseling in the areas of career devel-
opment, substance abuse, health, and parenting 
skills; 
‘‘(4) describes specific performance objectives 
and evaluation methods (in addition to, and con-
sistent with, any objectives established by the Sec-
retary under subsection (b)(2)) that the State cor-
rectional education agency will use in carrying out 
its proposal, including— 
‘‘(A) specific and quantified student out-
come measures that are referenced to outcomes 
for non-program participants with similar de-
mographic characteristics; and 
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‘‘(B) measures, consistent with the data 
elements and definitions described in subsection 
(d)(1)(A), of— 
‘‘(i) program completion, including an 
explicit definition of what constitutes a 
program completion within the proposal; 
‘‘(ii) knowledge and skill attainment, 
including specification of instruments that 
will measure knowledge and skill attain-
ment; 
‘‘(iii) attainment of employment both 
prior to and subsequent to release; 
‘‘(iv) success in employment indicated 
by job retention and advancement; and 
‘‘(v) recidivism, including such sub-
indicators as time before subsequent of-
fense and severity of offense; 
‘‘(5) describes how the proposed programs are 
to be integrated with existing State correctional edu-
cation programs (such as adult education, graduate 
education degree programs, and vocational training) 
and State prison industry programs; and 
‘‘(6) describes how the proposed programs will 
have considered or will utilize technology to deliver 
the services under this section. 
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‘‘(d) PROGRAM REQUIREMENTS.—Each State correc-
tional education agency receiving a grant under this sec-
tion shall— 
‘‘(1) annually report to the Secretary regard-
ing— 
‘‘(A) the results of the evaluations con-
ducted using data elements and definitions pro-
vided by the Secretary for the use of State cor-
rectional education programs; 
‘‘(B) any objectives or requirements estab-
lished by the Secretary pursuant to subsection 
(b)(2); 
‘‘(C) the additional performance objectives 
and evaluation methods contained in the pro-
posal described in subsection (c)(4) as nec-
essary to document the attainment of project 
performance objectives; and 
‘‘(D) how the funds provided under this 
section are being allocated among postsec-
ondary preparatory education, postsecondary 
academic, and vocational education programs; 
and 
‘‘(2) provide to each State for each student eli-
gible under subsection (e) not more than— 
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‘‘(A) $3,000 annually for tuition, books, 
and essential materials; and 
‘‘(B) $300 annually for related services 
such as career development, substance abuse 
counseling, parenting skills training, and health 
education. 
‘‘(e) EDUCATION DELIVERY SYSTEMS.—State correc-
tional education agencies and cooperating institutions 
shall, to the extent practicable, use high-tech applications 
in developing programs to meet the requirements and 
goals of this section. 
‘‘(f) LENGTH OF PARTICIPATION.—Services carried 
out with a grant under this section shall be available to 
incarcerated individuals as follows: 
‘‘(1) Educational services shall start during the 
period of incarceration or prerelease and shall end 
upon release. 
‘‘(2) Related services shall start during the pe-
riod of incarceration or prerelease and may continue 
for not more than one year after release. 
‘‘(g) ALLOCATION OF FUNDS.—From the funds ap-
propriated pursuant to subsection (h) for each fiscal year, 
the Secretary shall allot to each State an amount that 
bears the same ratio to such funds as the total number 
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of incarcerated individuals in such State bears to the total 
number of such incarcerated individuals in all States. 
‘‘(h) AUTHORIZATION OF APPROPRIATIONS.—There 
are authorized to be appropriated to carry out this section 
such sums as may be necessary for fiscal year 2009 and 
each of the 4 succeeding fiscal years.’’. 
SEC. 942. UNDERGROUND RAILROAD. 
Section 841(c) of the Higher Education Amendments 
of 1998 (20 U.S.C. 1153(c)) is amended by striking ‘‘this 
section’’ and all that follows through the period at the end 
and inserting ‘‘this section $3,000,000 for fiscal years 
2009 and the 4 succeeding fiscal years.’’. 
SEC. 943. REPEALS OF EXPIRED AND EXECUTED PROVI-
SIONS. 
The following provisions of the Higher Education 
Amendments of 1998 are repealed: 
(1) STUDY OF MARKET MECHANISMS IN FED-
ERAL STUDENT LOAN PROGRAMS.—Section 801 (20 
U.S.C. 1018 note). 
(2) STUDY OF FEASIBILITY OF ALTERNATE FI-
NANCIAL INSTRUMENTS FOR DETERMINING LENDER 
YIELDS.—Section 802. 
(3) STUDENT RELATED DEBT STUDY.—Section 
803 (20 U.S.C. 1015 note). 
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(4) 
COMMUNITY
SCHOLARSHIP
MOBILIZA-
TION.—Part C of title VIII (20 U.S.C. 1070 note). 
(5) 
IMPROVING
UNITED
STATES
UNDER-
STANDING OF SCIENCE, ENGINEERING, AND TECH-
NOLOGY IN EAST ASIA.—Part F of title VIII (42 
U.S.C. 1862 note). 
(6) WEB-BASED
EDUCATION
COMMISSION.— 
Part J of title VIII. 
SEC. 944. OLYMPIC SCHOLARSHIPS. 
Section 1543(d) of the Higher Education Amend-
ments of 1992 (20 U.S.C. 1070 note) is amended by strik-
ing ‘‘1999’’ and inserting ‘‘2009’’. 
SEC. 945. ESTABLISHMENT OF ASSISTANT SECRETARY FOR 
INTERNATIONAL AND FOREIGN LANGUAGE 
EDUCATION. 
(a) IN GENERAL.—Section 202 of the Department of 
Education Organization Act (20 U.S.C. 3412) is amended 
in subsection (b)(1)— 
(1) in subparagraph (E) by striking ‘‘and’’ at 
the end; 
(2) by redesignating subparagraph (F) as sub-
paragraph (G); and 
(3) by inserting after subparagraph (E) the fol-
lowing: 
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‘‘(F) an Assistant Secretary for International 
and Foreign Language Education; and’’. 
(b) FUNCTIONS.—Such section is further amended by 
adding at the end the following: 
‘‘(j) The Assistant Secretary for International and 
Foreign Language Education— 
‘‘(1) shall be an individual with extensive back-
ground and experience in international and foreign 
language education; and 
‘‘(2) notwithstanding any other provision of 
law, shall report directly to the Secretary.’’. 
(c) CONFORMING AMENDMENT.—Such section is fur-
ther amended in subsection (e)— 
(1) in paragraph (4), by adding ‘‘and’’ at the 
end; 
(2) in paragraph (5), by striking ‘‘; and’’ at the 
end and inserting a period; and 
(3) by striking paragraph (6). 
(d) OFFICE OF INTERNATIONAL AND FOREIGN LAN-
GUAGE EDUCATION.—Title II of the Department of Edu-
cation Organization Act is amended by inserting after sec-
tion 207 (20 U.S.C. 3417) the following: 
‘‘OFFICE OF INTERNATIONAL AND FOREIGN LANGUAGE 
EDUCATION 
‘‘SEC. 207A. There shall be in the Department an 
Office of International and Foreign Language Education, 
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to be administered by the Assistant Secretary for Inter-
national and Foreign Language Education appointed 
under section 202(b). In addition to performing such func-
tions affecting international and foreign language edu-
cation as the Secretary may prescribe, the Assistant Sec-
retary shall— 
‘‘(1) have responsibility for encouraging and 
promoting the study of foreign languages and the 
study of cultures of other countries at the elemen-
tary, secondary, and postsecondary levels in the 
United States; 
‘‘(2) carry out the administration of all Depart-
ment programs on international and foreign lan-
guage education and research; 
‘‘(3) coordinate with related international and 
foreign language education programs of other Fed-
eral departments and agencies; and 
‘‘(4) administer and coordinate the Department 
of Education’s activities in international affairs.’’. 
PART D—JUSTICE DEPARTMENT PROGRAMS 
SEC. 951. LOAN REPAYMENT FOR PROSECUTORS AND DE-
FENDERS. 
Title I of the Omnibus Crime Control and Safe 
Streets Act of 1968 (42 U.S.C. 3711 et seq.) is amended 
by adding at the end the following: 
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‘‘PART JJ—LOAN REPAYMENT FOR 
PROSECUTORS AND PUBLIC DEFENDERS 
‘‘SEC. 3111. GRANT AUTHORIZATION. 
‘‘(a) PURPOSE.—The purpose of this section is to en-
courage qualified individuals to enter and continue em-
ployment as prosecutors and public defenders. 
‘‘(b) DEFINITIONS.—In this section: 
‘‘(1) PROSECUTOR.—The term ‘prosecutor’ 
means a full-time employee of a State or local agen-
cy who— 
‘‘(A) is continually licensed to practice law; 
and 
‘‘(B) prosecutes criminal or juvenile delin-
quency cases (or both) at the State or local 
level, including an employee who supervises, 
educates, or trains other persons prosecuting 
such cases. 
‘‘(2) PUBLIC DEFENDER.—The term ‘public de-
fender’ means an attorney who— 
‘‘(A) is continually licensed to practice law; 
and 
‘‘(B) is— 
‘‘(i) a full-time employee of a State or 
local agency who provides legal representa-
tion to indigent persons in criminal or ju-
venile delinquency cases (or both), includ-
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ing an attorney who supervises, educates, 
or trains other persons providing such rep-
resentation; 
‘‘(ii) a full-time employee of a non-
profit organization operating under a con-
tract with a State or unit of local govern-
ment, who devotes substantially all of such 
full-time employment to providing legal 
representation to indigent persons in crimi-
nal or juvenile delinquency cases (or both), 
including an attorney who supervises, edu-
cates, or trains other persons providing 
such representation; or 
‘‘(iii) employed as a full-time Federal 
defender attorney in a defender organiza-
tion established pursuant to subsection (g) 
of section 3006A of title 18, United States 
Code, that provides legal representation to 
indigent persons in criminal or juvenile de-
linquency cases (or both). 
‘‘(3) STUDENT LOAN.—The term ‘student loan’ 
means— 
‘‘(A) a loan made, insured, or guaranteed 
under part B of title IV of the Higher Edu-
cation Act of 1965 (20 U.S.C. 1071 et seq.); 
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‘‘(B) a loan made under part D or E of 
title IV of the Higher Education Act of 1965 
(20 U.S.C. 1087a et seq. and 1087aa et seq.); 
and 
‘‘(C) a loan made under section 428C or 
455(g) of the Higher Education Act of 1965 
(20 U.S.C. 1078–3 and 1087e(g)) to the extent 
that such loan was used to repay a Federal Di-
rect Stafford Loan, a Federal Direct Unsub-
sidized Stafford Loan, or a loan made under 
section 428 or 428H of such Act. 
‘‘(c) PROGRAM AUTHORIZED.—The Attorney General 
shall, subject to the availability of appropriations, estab-
lish a program by which the Department of Justice shall 
assume the obligation to repay a student loan, by direct 
payments on behalf of a borrower to the holder of such 
loan, in accordance with subsection (d), for any borrower 
who— 
‘‘(1) is employed as a prosecutor or public de-
fender; and 
‘‘(2) is not in default on a loan for which the 
borrower seeks forgiveness. 
‘‘(d) TERMS OF LOAN REPAYMENT.— 
‘‘(1) BORROWER AGREEMENT.—To be eligible 
to receive repayment benefits under subsection (c), 
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a borrower shall enter into a written agreement with 
the Attorney General that specifies that— 
‘‘(A) the borrower will remain employed as 
a prosecutor or public defender for a required 
period of service of not less than 3 years, unless 
involuntarily separated from that employment; 
‘‘(B) if the borrower is involuntarily sepa-
rated from employment on account of mis-
conduct, or voluntarily separates from employ-
ment, before the end of the period specified in 
the agreement, the borrower will repay the At-
torney General the amount of any benefits re-
ceived by such employee under this section; and 
‘‘(C) if the borrower is required to repay 
an amount to the Attorney General under sub-
paragraph (B) and fails to repay such amount, 
a sum equal to that amount shall be recoverable 
by the Federal Government from the employee 
(or such employee’s estate, if applicable) by 
such methods as are provided by law for the re-
covery of amounts owed to the Federal Govern-
ment. 
‘‘(2) REPAYMENT BY BORROWER.— 
‘‘(A) IN
GENERAL.—Any amount repaid 
by, or recovered from, an individual or the es-
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tate of an individual under this subsection shall 
be credited to the appropriation account from 
which the amount involved was originally paid. 
‘‘(B) 
MERGER.—Any 
amount 
credited 
under subparagraph (A) shall be merged with 
other sums in such account and shall be avail-
able for the same purposes and period, and sub-
ject to the same limitations, if any, as the sums 
with which the amount was merged. 
‘‘(C) WAIVER.—The Attorney General may 
waive, in whole or in part, a right of recovery 
under this subsection if it is shown that recov-
ery would be against equity and good conscience 
or against the public interest. 
‘‘(3) LIMITATIONS.— 
‘‘(A) 
STUDENT
LOAN
PAYMENT 
AMOUNT.—Student loan repayments made by 
the Attorney General under this section shall be 
made subject to the availability of appropria-
tions, and subject to such terms, limitations, or 
conditions as may be mutually agreed upon by 
the borrower and the Attorney General in an 
agreement under paragraph (1), except that the 
amount paid by the Attorney General under 
this section shall not exceed— 
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‘‘(i) $10,000 for any borrower in any 
calendar year; or 
‘‘(ii) an aggregate total of $60,000 in 
the case of any borrower. 
‘‘(B) BEGINNING OF PAYMENTS.—Nothing 
in this section shall authorize the Attorney Gen-
eral to pay any amount to reimburse a borrower 
for any repayments made by such borrower 
prior to the date on which the Attorney General 
entered into an agreement with the borrower 
under this subsection. 
‘‘(e) ADDITIONAL AGREEMENTS.— 
‘‘(1) IN GENERAL.—On completion of the re-
quired period of service under an agreement under 
subsection (d), the borrower and the Attorney Gen-
eral may, subject to paragraph (2), enter into an ad-
ditional agreement in accordance with subsection 
(d). 
‘‘(2) TERM.—An agreement entered into under 
paragraph (1) may require the borrower to remain 
employed as a prosecutor or public defender for less 
than 3 years. 
‘‘(f) AWARD BASIS; PRIORITY.— 
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‘‘(1) AWARD
BASIS.—The Attorney General 
shall provide repayment benefits under this sec-
tion— 
‘‘(A) subject to the availability of appro-
priations; and 
‘‘(B) in accordance with paragraph (2), ex-
cept that the Attorney General shall determine 
a fair allocation of repayment benefits among 
prosecutors and defenders, and among employ-
ing entities nationwide. 
‘‘(2) PRIORITY.—In providing repayment bene-
fits under this section in any fiscal year, the Attor-
ney General shall give priority to borrowers— 
‘‘(A) who, when compared to other eligible 
borrowers, have the least ability to repay their 
student loans (considering whether the borrower 
is the beneficiary of any other student loan re-
payment program), as determined by the Attor-
ney General; or 
‘‘(B) who— 
‘‘(i) received repayment benefits under 
this section during the preceding fiscal 
year; and 
‘‘(ii) have completed less than 3 years 
of the first required period of service speci-
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fied for the borrower in an agreement en-
tered into under subsection (d). 
‘‘(g) REGULATIONS.—The Attorney General is au-
thorized to issue such regulations as may be necessary to 
carry out the provisions of this section. 
‘‘(h) REPORT BY INSPECTOR GENERAL.—Not later 
than 3 years after the date of the enactment of this sec-
tion, the Inspector General of the Department of Justice 
shall submit to Congress a report on— 
‘‘(1) the cost of the program authorized under 
this section; and 
‘‘(2) the impact of such program on the hiring 
and retention of prosecutors and public defenders. 
‘‘(i) GAO STUDY.—Not later than one year after the 
date of the enactment of this section, the Comptroller 
General shall conduct a study of, and report to Congress 
on, the impact that law school accreditation requirements 
and other factors have on the costs of law school and stu-
dent access to law school, including the impact of such 
requirements on racial and ethnic minorities. 
‘‘(j) AUTHORIZATION OF APPROPRIATIONS.—There 
is authorized to be appropriated to carry out this section 
$25,000,000 for each of the fiscal years 2008 through 
2013.’’. 
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SEC. 952. NATIONAL CENTER FOR CAMPUS PUBLIC SAFETY. 
(a) IN GENERAL.—The Attorney General of the 
United States is authorized to make grants, through the 
Office of Community Oriented Policing Services, to estab-
lish and operate a National Center for Campus Public 
Safety (referred to in this section as the ‘‘Center’’). The 
Center shall— 
(1) provide quality education and training for 
campus public safety agencies and the agencies’ col-
laborative partners, including campus mental health 
agencies; 
(2) foster quality research to strengthen the 
safety and security of the institutions of higher edu-
cation in the United States; 
(3) serve as a clearinghouse for the identifica-
tion and dissemination of information, policies, pro-
cedures, and best practices relevant to campus pub-
lic safety, including off-campus housing safety, the 
prevention of violence against persons and property 
and emergency response and evacuation procedures; 
(4) develop protocols, in conjunction with the 
Attorney General, the Secretary of Homeland Secu-
rity, the Secretary of Education, State, local, and 
tribal governments and law enforcement agencies, 
private and nonprofit organizations and associations, 
and other stakeholders, to prevent, protect against, 
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respond to, and recover from, natural and man-made 
emergencies or dangerous situations involving an im-
mediate threat to the health or safety of the campus 
community; 
(5) promote the development and dissemination 
of effective behavioral threat assessment and man-
agement models to prevent campus violence; 
(6) coordinate campus safety information (in-
cluding ways to increase off-campus housing safety) 
and resources available from the Department of Jus-
tice, the Department of Homeland Security, the De-
partment of Education, State, local, and tribal gov-
ernments and law enforcement agencies, and private 
and nonprofit organizations and associations; 
(7) increase cooperation, collaboration, and con-
sistency in prevention, response, and problem-solving 
methods among law enforcement, mental health, and 
other agencies and jurisdictions serving institutions 
of higher education in the United States; 
(8) develop standardized formats and models 
for mutual aid agreements and memoranda of un-
derstanding between campus security agencies and 
other public safety organizations and mental health 
agencies; and 
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(9) report annually to Congress and the Attor-
ney General on activities performed by the Center 
during the previous 12 months. 
(b) COORDINATION WITH AVAILABLE RESOURCES.— 
In establishing the Center, the Attorney General shall— 
(1) consult with the Secretary of Homeland Se-
curity, the Secretary of Education, and the Attor-
neys General of each State; and 
(2) coordinate the establishment and operation 
of the Center with campus public safety resources 
that may already be available within the Department 
of Homeland Security and the Department of Edu-
cation. 
(c) DEFINITION OF INSTITUTION OF HIGHER EDU-
CATION.—In this section, the term ‘‘institution of higher 
education’’ has the meaning given the term in section 101 
of the Higher Education Act of 1965 (20 U.S.C. 1001). 
(d) AUTHORIZATION
OF APPROPRIATIONS.—There 
are authorized to be appropriated to carry out this section 
$2,750,000 for each of the fiscal years 2008 and 2009 
and such sums as may be necessary thereafter. 
(e) SENSE OF THE HOUSE OF REPRESENTATIVES.— 
It is the sense of the House of Representatives that in 
order to increase awareness of the importance of student 
safety in off-campus housing that is located in the areas 
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surrounding colleges and universities, the following should 
be encouraged: 
(1) The creation of chapters at colleges and 
universities that aim to raise awareness of the issue 
of off-campus student safety. 
(2) Public awareness on the benefits of security 
measures that may increase the safety of students 
living in off-campus housing. 
(3) Collaborative partnerships between Federal 
agencies, local law enforcement agencies, non-profit 
organizations, colleges and universities, and commu-
nities to disseminate information and best practices 
related to off-campus housing safety for students. 
SEC. 953. PRIVATE LOAN FORGIVENESS. 
Notwithstanding any other provision of law— 
(1) a public or private institution of higher edu-
cation may provide an officer or employee of any 
branch of the United States Government, of any 
independent agency of the United States, or of the 
District of Columbia who is a current or former stu-
dent of such institution, financial assistance for the 
purpose of repaying a student loan or providing for-
bearance of student loan repayment: Provided, That 
such repaying or providing forbearance is provided 
to any such officer or employee in accordance with 
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a written, published policy of the institution relating 
to repaying or providing forbearance, respectively, 
for students or former students who perform public 
service; and 
(2) an officer or employee of any branch of the 
United States Government, of any independent 
agency of the United States, or of the District of 
Columbia may receive repayment or forbearance per-
mitted under paragraph (1). 
PART E—STEVENSON-WYDLER TECHNOLOGY 
INNOVATION ACT OF 1980 
SEC. 961. ESTABLISHMENT OF PROGRAM. 
Section 5 of the Stevenson-Wydler Technology Inno-
vation Act of 1980 (15 U.S.C. 3704) is amended by insert-
ing the following after subsection (b): 
‘‘(c) MINORITY SERVING INSTITUTION DIGITAL AND 
WIRELESS TECHNOLOGY OPPORTUNITY PROGRAM.— 
‘‘(1) IN GENERAL.—The Secretary shall estab-
lish a Minority Serving Institution Digital and Wire-
less Technology Opportunity Program to assist eligi-
ble institutions in acquiring, and augmenting their 
use of, digital and wireless networking technologies 
to improve the quality and delivery of educational 
services at eligible institutions. 
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‘‘(2) AUTHORIZED ACTIVITIES.—An eligible in-
stitution may use a grant, cooperative agreement, or 
contract awarded under this subsection— 
‘‘(A) to acquire equipment, instrumenta-
tion, networking capability, hardware and soft-
ware, digital network technology, wireless tech-
nology, and infrastructure to further the objec-
tive of the Program described in paragraph (1); 
‘‘(B) to develop and provide training, edu-
cation, and professional development programs, 
including faculty development, to increase the 
use of, and usefulness of, digital and wireless 
networking technology; 
‘‘(C) to provide teacher education, includ-
ing the provision of preservice teacher training 
and in-service professional development at eligi-
ble institutions, library and media specialist 
training, and preschool and teacher aid certifi-
cation to individuals who seek to acquire or en-
hance technology skills in order to use digital 
and wireless networking technology in the class-
room or instructional process, including instruc-
tion in science, mathematics, engineering, and 
technology subjects; 
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‘‘(D) to obtain capacity-building technical 
assistance, including through remote technical 
support, technical assistance workshops, and 
distance learning services; and 
‘‘(E) to foster the use of digital and wire-
less networking technology to improve research 
and education, including scientific, mathe-
matics, engineering, and technology instruction. 
‘‘(3) 
APPLICATION
AND
REVIEW
PROCE-
DURES.— 
‘‘(A) IN GENERAL.—To be eligible to re-
ceive a grant, cooperative agreement, or con-
tract under this subsection, an eligible institu-
tion shall submit an application to the Sec-
retary at such time, in such manner, and con-
taining such information as the Secretary may 
require. Such application, at a minimum, shall 
include a description of how the funds will be 
used, including a description of any digital and 
wireless networking technology to be acquired, 
and a description of how the institution will en-
sure that digital and wireless networking will be 
made accessible to, and employed by, students, 
faculty, and administrators. The Secretary, con-
sistent with subparagraph (C) and in consulta-
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‘‘(ii) CONSORTIA.—Grants, coopera-
tive agreements, and contracts may only be 
awarded to eligible institutions. Eligible in-
stitutions may seek funding under this 
subsection for consortia which may include 
other eligible institutions, a State or a 
State education agency, local education 
agencies, institutions of higher education, 
community-based organizations, national 
nonprofit organizations, or businesses, in-
cluding minority businesses. 
‘‘(iii) PLANNING GRANTS.—The Sec-
retary may provide funds to develop stra-
tegic plans to implement such grants, co-
operative agreements, or contracts. 
‘‘(iv) INSTITUTIONAL DIVERSITY.—In 
awarding grants, cooperative agreements, 
and contracts to eligible institutions, the 
Secretary shall ensure, to the extent prac-
ticable, that awards are made to all types 
of institutions eligible for assistance under 
this subsection. 
‘‘(v) 
NEED.—In 
awarding 
funds 
under this subsection, the Secretary shall 
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give priority to the institution with the 
greatest demonstrated need for assistance. 
‘‘(G) ANNUAL
REPORT
AND
EVALUA-
TION.— 
‘‘(i) 
ANNUAL
REPORT
REQUIRED 
FROM RECIPIENTS.—Each institution that 
receives a grant, cooperative agreement, or 
contract awarded under this subsection 
shall provide an annual report to the Sec-
retary on its use of the grant, cooperative 
agreement, or contract. 
‘‘(ii) INDEPENDENT
ASSESSMENT.— 
Not later than 6 months after the date of 
enactment of this subsection, the Secretary 
shall enter into a contract with the Na-
tional Academy of Public Administration 
to conduct periodic assessments of the pro-
gram. The Assessments shall be conducted 
once every 3 years during the 10-year pe-
riod following the enactment of this sub-
section. The assessments shall include an 
evaluation of the effectiveness of the pro-
gram in improving the education and 
training of students, faculty and staff at 
eligible institutions that have been awarded 
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grants, cooperative agreements, or con-
tracts under the program; an evaluation of 
the effectiveness of the program in improv-
ing access to, and familiarity with, digital 
and wireless networking technology for stu-
dents, faculty, and staff at all eligible insti-
tutions; an evaluation of the procedures es-
tablished under paragraph (3)(A); and rec-
ommendations for improving the program, 
including recommendations concerning the 
continuing need for Federal support. In 
carrying out its assessments, the National 
Academy of Public Administration shall re-
view the reports submitted to the Secretary 
under clause (i). 
‘‘(iii) REPORT TO CONGRESS.—Upon 
completion of each independent assessment 
carried out under clause (ii), the Secretary 
shall transmit the assessment to Congress 
along with a summary of the Secretary’s 
plans, if any, to implement the rec-
ommendations of the National Academy of 
Public Administration. 
‘‘(H) DEFINITIONS.—In this subsection: 
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‘‘(i) DIGITAL
AND
WIRELESS
NET-
WORKING
TECHNOLOGY.—The term ‘dig-
ital and wireless networking technology’ 
means 
computer 
and 
communications 
equipment and software that facilitates the 
transmission of information in a digital 
format. 
‘‘(ii) ELIGIBLE
INSTITUTION.—The 
term ‘eligible institution’ means an institu-
tion that is— 
‘‘(I) a historically Black college 
or university that is a part B institu-
tion, as defined in section 322(2) of 
the Higher Education Act of 1965 (20 
U.S.C. 1061(2)), an institution de-
scribed in section 326(e)(1)(A), (B), 
or (C) of that Act (20 U.S.C. 
1063b(e)(1)(A), (B), or (C)), or a 
consortium of institutions described in 
this subparagraph; 
‘‘(II) a Hispanic-serving institu-
tion, as defined in section 502(a)(5) 
of the Higher Education Act of 1965 
(20 U.S.C. 1101a(a)(5)); 
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‘‘(III) a tribally controlled college 
or university, as defined in section 
316(b)(3) of the Higher Education 
Act of 1965 (20 U.S.C. 1059c(b)(3)); 
‘‘(IV) an Alaska Native-serving 
institution under section 317(b) of the 
Higher Education Act of 1965 (20 
U.S.C. 1059d(b)); 
‘‘(V) a Native Hawaiian-serving 
institution under section 317(b) of the 
Higher Education Act of 1965 (20 
U.S.C. 1059d(b)); or 
‘‘(VI) an institution of higher 
education (as defined in section 365 
of the Higher Education Act of 1965 
(20 U.S.C. 1067k)) with an enroll-
ment of needy students (as defined in 
section 312(d) of the Higher Edu-
cation Act of 1965 (20 U.S.C. 
1058(d))). 
‘‘(iii) INSTITUTION OF HIGHER EDU-
CATION.—The term ‘institution of higher 
education’ has the meaning given the term 
in section 101 of the Higher Education 
Act of 1965 (20 U.S.C. 1001). 
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‘‘(iv) LOCAL
EDUCATIONAL
AGEN-
CY.—The term ‘local educational agency’ 
has the meaning given the term in section 
9101 of the Elementary and Secondary 
Education Act of 1965 (20 U.S.C. 7801). 
‘‘(v) MINORITY BUSINESS.—The term 
‘minority business’ includes HUBZone 
small business concerns (as defined in sec-
tion 3(p) of the Small Business Act (15 
U.S.C. 632(p))). 
‘‘(vi) 
MINORITY
INDIVIDUAL.—The 
term ‘minority individual’ means an Amer-
ican Indian, Alaskan Native, Black (not of 
Hispanic origin), Hispanic (including per-
sons of Mexican, Puerto Rican, Cuban and 
Central or South American origin), or Pa-
cific Islander individual. 
‘‘(vii) STATE.—The term ‘State’ has 
the meaning given the term in section 
9101 of the Elementary and Secondary 
Education Act of 1965 (20 U.S.C. 7801). 
‘‘(viii) STATE
EDUCATIONAL
AGEN-
CY.—The term ‘State educational agency’ 
has the meaning given the term in section 
9101 of the Elementary and Secondary 
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Education 
Act 
of 
1965 
(20 
U.S.C. 
7801).’’. 
SEC. 962. AUTHORIZATION OF APPROPRIATIONS. 
There are authorized to be appropriated to the Sec-
retary of Commerce to carry out section 5(c) of the Ste-
venson-Wydler Technology Innovation Act of 1980— 
(1) $250,000,000 for fiscal year 2008; and 
(2) such sums as may be necessary for each of 
the fiscal years 2009 through 2012. 
TITLE 
X—PRIVATE 
STUDENT 
LOAN 
TRANSPARENCY 
AND 
IMPROVEMENT 
SEC. 1001. SHORT TITLE. 
This title may be cited as the ‘‘Private Student Loan 
Transparency and Improvement Act of 2008’’. 
SEC. 1002. DEFINITIONS. 
As used in this title— 
(1) the term ‘‘Board’’ means the Board of Gov-
ernors of the Federal Reserve System; 
(2) the term ‘‘covered educational institu-
tion’’— 
(A) means any educational institution that 
offers a postsecondary educational degree, cer-
tificate, or program of study (including any in-
stitution of higher education); and 
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(B) includes an agent or employee of the 
educational institution; 
(3) the terms ‘‘Federal banking agencies’’ and 
‘‘appropriate Federal banking agency’’ have the 
same meanings as in section 3 of the Federal De-
posit Insurance Act (12 U.S.C. 1813); 
(4) the term ‘‘institution of higher education’’ 
has the same meaning as in section 102 of the High-
er Education Act of 1965 (20 U.S.C. 1002); 
(5) the term ‘‘postsecondary educational ex-
penses’’ means any of the expenses that are included 
as part of the cost of attendance of a student, as de-
fined under section 472 of the Higher Education Act 
of 1965 (20 U.S.C. 1087ll); 
(6) the term ‘‘private educational lender’’ 
means any creditor (as defined in section 103 of the 
Truth in Lending Act) which solicits, makes, or ex-
tends private educational loans; and 
(7) the term ‘‘private educational loan’’— 
(A) means a loan provided by a private 
educational lender that— 
(i) is not made, insured, or guaran-
teed under title IV of the Higher Edu-
cation Act of 1965 (20 U.S.C. 1070 et 
seq.); and 
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(ii) is issued by a private educational 
lender expressly for postsecondary edu-
cational expenses to a student, or the par-
ent of the student, regardless of whether 
the loan involves enrollment certification 
by the educational institution that the stu-
dent attends, or whether the loan is pro-
vided through the educational institution 
that the subject student attends or directly 
to the borrower from the lender; and 
(B) does not include an extension of credit 
under an open end consumer credit plan, a re-
verse mortgage transaction, a residential mort-
gage transaction (as those terms are defined in 
section 103 of the Truth in Lending Act), or 
any other loan that is secured by real property 
or a dwelling. 
SEC. 1003. REGULATIONS. 
The Board shall issue final regulations to implement 
this title and the amendments made by this title not later 
than 180 days after the date of enactment of this title. 
SEC. 1004. EFFECTIVE DATES. 
This title and the amendments made by this title 
shall become effective 180 days after the date on which 
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regulations to carry out this title and the amendments 
made by this title are issued in final form. 
Subtitle A—Preventing Unfair and 
Deceptive Private Educational 
Lending Practices and Elimi-
nating Conflicts of Interest 
SEC. 1011. AMENDMENT TO THE TRUTH IN LENDING ACT. 
(a) IN GENERAL.—Chapter 2 of the Truth in Lend-
ing Act (15 U.S.C. 1631 et seq.) is amended by adding 
at the end the following new section: 
‘‘§ 140. Preventing unfair and deceptive private edu-
cational lending practices and elimi-
nating conflicts of interest 
‘‘(a) DEFINITIONS.—For purposes of this section, the 
following definitions shall apply: 
‘‘(1) COVERED EDUCATIONAL INSTITUTION.— 
The term ‘covered educational institution’— 
‘‘(A) means any educational institution 
that offers a postsecondary educational degree, 
certificate, or program of study (including any 
institution of higher education); and 
‘‘(B) includes an agent or employee of the 
educational institution. 
‘‘(2) GIFT.—The term ‘gift’— 
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‘‘(A) means any gratuity, favor, discount, 
entertainment, hospitality, loan, or other item 
having a monetary value of more than a de 
minimis amount, including a gift of services, 
transportation, lodging, or meals, whether pro-
vided in kind, by purchase of a ticket, payment 
in advance, or reimbursement after the expense 
has been incurred; 
‘‘(B) does not include— 
‘‘(i) standard material, activities, or 
programs on issues related to a loan, de-
fault aversion, default prevention, or finan-
cial literacy, such as a brochure, a work-
shop, or training; 
‘‘(ii) food, refreshments, training, or 
informational material furnished to an em-
ployee or agent of a covered educational in-
stitution, as an integral part of a training 
session that is designed to improve the 
service of the private educational lender to 
the covered educational institution, if such 
training contributes to the professional de-
velopment of the employee or agent of the 
covered educational institution; 
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‘‘(iii) favorable terms, conditions, and 
borrower benefits on an educational loan 
provided to a student employed by the cov-
ered educational institution if such terms, 
conditions, or benefits are comparable to 
those provided to all students of the insti-
tution; 
‘‘(iv) the provision of financial literacy 
counseling or services to students or par-
ents, including counseling or services pro-
vided in coordination with a covered edu-
cational institution, to the extent that such 
counseling or services— 
‘‘(I) are not undertaken to secure 
applications for private educational 
loans or to secure private educational 
loan volume; 
‘‘(II) are not undertaken to se-
cure applications or loan volume for 
any loan made, insured, or guaranteed 
under part B of title IV of the Higher 
Education Act of 1965; and 
‘‘(III) do not promote the prod-
ucts or services of any private edu-
cational lender; 
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‘‘(v) philanthropic contributions to a 
covered institution from a private edu-
cational lender that are unrelated to edu-
cational loans, to the extent that such con-
tributions are disclosed pursuant to para-
graphs (1) and (2) of section 153(a) of the 
Higher Education Act of 1965, if applica-
ble; or 
‘‘(vi) State education grants, scholar-
ships, or financial aid funds administered 
by or on behalf of a State; and 
‘‘(C) includes a gift to a family member of 
an officer, employee, or agent of a covered insti-
tution, or a gift to any other individual based 
on that individual’s relationship with the offi-
cer, employee, or agent, if— 
‘‘(i) the gift is given with the knowl-
edge and acquiescence of the officer, em-
ployee, or agent; and 
‘‘(ii) the officer, employee, or agent 
has reason to believe the gift was given be-
cause of the official position of the officer, 
employee, or agent. 
‘‘(3) INSTITUTION OF HIGHER EDUCATION.— 
the term ‘institution of higher education’ has the 
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same meaning as in section 102 of the Higher Edu-
cation Act of 1965 (20 U.S.C. 1002). 
‘‘(4) 
POSTSECONDARY
EDUCATIONAL
EX-
PENSE.—The term ‘postsecondary educational ex-
penses’ means any of the expenses that are included 
as part of the cost of attendance of a student, as de-
fined under section 472 of the Higher Education Act 
of 1965 (20 U.S.C. 1087ll). 
‘‘(5) PRIVATE
EDUCATIONAL
LENDER.—The 
term ‘private educational lender’ means a creditor 
which solicits, makes, or extends private educational 
loans. 
‘‘(6) PRIVATE EDUCATIONAL LOAN.—The term 
‘private educational loan’— 
‘‘(A) means a loan provided by a private 
educational lender that— 
‘‘(i) is not made, insured, or guaran-
teed under title IV of the Higher Edu-
cation Act of 1965 (20 U.S.C. 1070 et 
seq.); and 
‘‘(ii) is issued by a private educational 
lender expressly for postsecondary edu-
cational expenses to a student, or the par-
ent of the student, regardless of whether 
the loan involves enrollment certification 
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by the educational institution that the stu-
dent attends, or whether the loan is pro-
vided through the educational institution 
that the subject student attends or directly 
to the borrower from the lender; and 
‘‘(B) does not include an extension of cred-
it under an open end consumer credit plan, a 
reverse mortgage transaction, a residential 
mortgage transaction (as those terms are de-
fined in section 103 of the Truth in Lending 
Act), or any other loan that is secured by real 
property or a dwelling. 
‘‘(7) REVENUE
SHARING.—the term ‘revenue 
sharing’ means an arrangement between a covered 
educational institution and a private educational 
lender under which— 
‘‘(A) a private educational lender provides 
or issues private educational loans to students 
attending the covered educational institution or 
to the parents of such students; 
‘‘(B) the covered educational institution 
recommends to students or others the private 
educational lender or the private educational 
loans of the private educational lender; and 
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words, pictures, or symbols readily identified with the cov-
ered educational institution, in the marketing of private 
educational loans in any way that implies that the covered 
educational institution endorses the private educational 
loans offered by the lender. 
‘‘(d) BAN ON PARTICIPATION ON ADVISORY COUN-
CILS.— 
‘‘(1) IN
GENERAL.—An officer, employee, or 
agent who is employed in the financial aid office of 
a covered institution, or who otherwise has respon-
sibilities with respect to private educational loans, 
shall not serve on or otherwise participate with advi-
sory councils of private educational lenders or affili-
ates of such lenders. 
‘‘(2) RULES OF CONSTRUCTION.—No provision 
of this subsection shall be construed as— 
‘‘(A) prohibiting private educational lend-
ers from seeking advice from covered institu-
tions or groups of covered institutions (includ-
ing through telephonic or electronic means, or 
a meeting) in order to improve products and 
services for borrowers, to the extent that no 
gifts or compensation (including for transpor-
tation, lodging, or related expenses) are pro-
vided by private educational lenders in connec-
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tion with seeking this advice from such institu-
tions; or 
‘‘(B) prohibiting an employee, officer, or 
agent of a covered institution from serving on 
the board of directors of a private educational 
lender, if required by State law. 
‘‘(e) PROHIBITION ON PREPAYMENT OR REPAYMENT 
FEES OR PENALTY.—It shall be unlawful for any private 
educational lender to impose a fee or penalty on a bor-
rower, directly or indirectly, for early repayment or pre-
payment, of any private educational loan.’’. 
(b) CLERICAL AMENDMENT.—The table of sections 
for chapter 2 of the Truth in Lending Act is amended 
by inserting after the item relating to section 139 the fol-
lowing new item: 
‘‘140. Preventing unfair and deceptive private educational lending practices and 
eliminating conflicts of interest.’’. 
SEC. 1012. CIVIL LIABILITY. 
Section 130 of the Truth in Lending Act (15 U.S.C. 
1640) is amended— 
(1) in subsection (a)— 
(A) in paragraph (3), by inserting ‘‘or sec-
tion 128(e)(8)’’ after ‘‘section 125’’; and 
(B) in the fourth sentence of the undesig-
nated matter at the end— 
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(i) by striking ‘‘125 or’’ and inserting 
‘‘125,’’; and 
(ii) by inserting ‘‘128(e)(8), or’’ after 
‘‘125,’’; and 
(2) in subsection (e), by inserting before the 
first period, the following: ‘‘or, in the case of a viola-
tion involving a private educational loan, 1 year 
from the date on which the first regular payment of 
principal is due under the loan’’. 
Subtitle B—Improved Disclosures 
for Private Educational Loans 
SEC. 1021. PRIVATE EDUCATIONAL LOAN DISCLOSURES 
AND LIMITATIONS. 
Section 128 of the Truth in Lending Act (15 U.S.C. 
1638) is amended by adding at the end the following new 
subsection: 
‘‘(e) TERMS AND DISCLOSURE WITH RESPECT TO 
PRIVATE EDUCATIONAL LOANS.— 
‘‘(1) DISCLOSURES REQUIRED IN PRIVATE EDU-
CATIONAL
LOAN
APPLICATIONS
AND
SOLICITA-
TIONS.—In any application for a private educational 
loan, or a solicitation for a private educational loan 
without requiring an application, the creditor shall 
disclose to the borrower, clearly and conspicuously— 
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‘‘(A) the potential range of rates of inter-
est applicable to the private educational loan; 
‘‘(B) whether the rate of interest applica-
ble to the private educational loan is fixed or 
variable; 
‘‘(C) limitations on interest rate adjust-
ments, both in terms of frequency and amount, 
or the lack thereof; 
‘‘(D) requirements for a co-borrower, in-
cluding any changes in the applicable interest 
rates without a co-borrower; 
‘‘(E) potential finance charges, late fees, 
penalties, and adjustments to principal, based 
on defaults or late payments of the borrower; 
‘‘(F) fees or range of fees applicable to the 
private educational loan; 
‘‘(G) the term of the private educational 
loan; 
‘‘(H) whether interest will accrue while the 
student to whom the private educational loan 
relates is enrolled at an institution of higher 
education; 
‘‘(I) payment deferral options, including 
whether the deferment would apply to interest 
or principal, or both; 
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‘‘(J) general eligibility criteria for the pri-
vate educational loan; 
‘‘(K) an example of the total cost of the 
private educational loan over the life of the 
loan— 
‘‘(i) which shall be calculated using 
the principal amount and the maximum 
rate of interest actually offered by the 
creditor; and 
‘‘(ii) calculated both with and without 
capitalization of interest, if that is an op-
tion for postponing interest payments; 
‘‘(L) a statement that an institution of 
higher education may have school-specific edu-
cational loan benefits and terms not detailed on 
the disclosure form; 
‘‘(M) that the borrower may qualify for 
Federal financial assistance through a program 
under title IV of the Higher Education Act of 
1965, in lieu of, or in addition to, a loan from 
a non-Federal source; 
‘‘(N) the interest rates available with re-
spect to such Federal financial assistance 
through a program under title IV of the Higher 
Education Act of 1965; 
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‘‘(O) that the consumer may obtain addi-
tional information concerning such Federal fi-
nancial assistance from their institution of 
higher education or at the website of the De-
partment of Education; 
‘‘(P) that, as provided in paragraph (6)— 
‘‘(i) the borrower shall have up to 30 
calendar days following the date on which 
the application for the private educational 
loan is approved and the borrower receives 
the disclosure documents required under 
this subsection for the loan to accept the 
terms of the private educational loan and 
consummate the transaction; and 
‘‘(ii) except for changes based on ad-
justments to the index used for a loan, the 
rates and terms of the loan may not be 
changed by the creditor during that 30-day 
period; and 
‘‘(Q) such other information as the Board 
shall prescribe, by rule, as necessary or appro-
priate for consumers to make informed bor-
rowing decisions. 
‘‘(2) WRITTEN
ACKNOWLEDGMENT
OF
RE-
CEIPT.—In each case in which a disclosure is pro-
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vided pursuant to paragraph (1) and an application 
initiated, a creditor shall obtain a written acknowl-
edgment from the consumer that the consumer has 
read and understood the disclosure. The form of 
such written acknowledgment shall be subject to the 
regulations of the Board. 
‘‘(3) DISCLOSURES AT THE TIME OF PRIVATE 
EDUCATIONAL
LOAN
APPROVAL.—Subject to the 
rules of the Board, contemporaneously with the ap-
proval of a private educational loan application, and 
before the loan transaction is consummated, the 
creditor shall disclose to the borrower, clearly and 
conspicuously— 
‘‘(A) the applicable rate of interest in ef-
fect on the date of approval; 
‘‘(B) whether the rate of interest applica-
ble to the private educational loan is fixed or 
variable; 
‘‘(C) limitations on interest rate adjust-
ments, both in terms of frequency and amount, 
or the lack thereof; 
‘‘(D) the initial approved principal amount; 
‘‘(E) applicable finance charges, late fees, 
penalties, and adjustments to principal, based 
upon borrower defaults or late payments; 
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‘‘(F) the maximum term under the private 
educational loan program; 
‘‘(G) an estimate of the total amount for 
repayment, at both the interest rate in effect on 
the date of approval and at the maximum pos-
sible rate of interest actually offered by the 
creditor, to the extent that such maximum rate 
may be determined, or if not, a good faith esti-
mate thereof; 
‘‘(H) any principal and interest payments 
required while the student to whom the private 
educational loan relates is enrolled at an insti-
tution of higher education and interest which 
will accrue during such enrollment; 
‘‘(I) payment deferral options, including 
whether the deferment would apply to interest 
or principal, or both; 
‘‘(J) whether monthly payments are grad-
uated; 
‘‘(K) that, as provided in paragraph (7)— 
‘‘(i) the borrower shall have up to 30 
calendar days following the date on which 
the application for the private educational 
loan is approved and the borrower receives 
the disclosure documents required under 
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this subsection for the loan to accept the 
terms of the private educational loan and 
consummate the transaction; and 
‘‘(ii) except for changes based on ad-
justments to the index used for a loan, the 
rates and terms of the loan may not be 
changed by the creditor during that 30-day 
period; 
‘‘(L) that the borrower may qualify for 
Federal financial assistance through a program 
under title IV of the Higher Education Act of 
1965, in lieu of, or in addition to, a loan from 
a non-Federal source; 
‘‘(M) the interest rates available with re-
spect to such Federal financial assistance 
through a program under title IV of the Higher 
Education Act of 1965; 
‘‘(N) the maximum monthly payment, cal-
culated using the maximum rate of interest ac-
tually offered by the creditor, to the extent that 
such maximum rate may be determined, or if 
not, a good faith estimate thereof; and 
‘‘(O) such other information as the Board 
shall prescribe, by rule, as necessary or appro-
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priate for consumers to make informed bor-
rowing decisions. 
‘‘(4) 
INSTITUTIONAL
CERTIFICATION
RE-
QUIRED.—Before a creditor may issue any funds 
with respect to an extension of credit described in 
paragraph (1), the creditor shall obtain from the rel-
evant institution of higher education such institu-
tion’s certification of— 
‘‘(A) the enrollment status of the borrower; 
‘‘(B) the borrower’s cost of attendance at 
the institution as determined by the institution 
under part F of title IV of the Higher Edu-
cation Act of 1965; and 
‘‘(C) the difference between the borrower’s 
cost of attendance and the borrower’s estimated 
financial assistance received under title IV of 
the Higher Education Act of 1965 and other 
assistance known to the institution. 
‘‘(5) DISCLOSURES AT THE TIME OF PRIVATE 
EDUCATIONAL
LOAN
CONSUMMATION.—Subject to 
the regulations prescribed by the Board, contem-
poraneously with the consummation of a private edu-
cational loan, the creditor shall make each of the 
disclosures described in subparagraphs (A) through 
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(J) and (L) through (O) of paragraph (3) to the 
borrower. 
‘‘(6) FORMAT
OF
DISCLOSURES.—Disclosures 
required under paragraphs (1), (3), and (5) shall ap-
pear in a clearly legible, uniform format, subject to 
section 122(c). 
‘‘(7) EFFECTIVE PERIOD OF APPROVED RATE 
OF INTEREST AND LOAN TERMS.— 
‘‘(A) IN GENERAL.—With respect to a pri-
vate educational loan, the borrower shall have 
the right to accept the terms of the loan and 
consummate the transaction at any time within 
30 calendar days following the date on which 
the application for the private educational loan 
is approved and the borrower receives the dis-
closure documents required under this sub-
section for the loan, and the rates and terms of 
the loan may not be changed by the creditor 
during that period, subject to the rules of the 
Board. 
‘‘(B) PROHIBITION ON CHANGES.—Except 
for changes based on adjustments to the index 
used for a loan, the rates and terms of the loan 
may not be changed by the creditor prior to the 
earlier of— 
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‘‘(i) the date of acceptance of the 
terms of the loan and consummation of the 
transaction by the borrower, as described 
in subparagraph (A); or 
‘‘(ii) the expiration of the 30-day pe-
riod referred to in subparagraph (A). 
‘‘(C) PROHIBITION ON DISBURSEMENT.— 
No funds may be disbursed with respect to a 
private educational loan until acceptance of the 
loan by the borrower under subparagraph (A) 
and the expiration of the 3-day period under 
paragraph (7). 
‘‘(8) RIGHT
TO
CANCEL.—With respect to a 
private educational loan, the borrower may cancel 
the loan, without penalty to the borrower, at any 
time within 3 business days of the date on which the 
loan is consummated, subject to the rules of the 
Board. No funds may be transferred to the borrower 
during that 3-day period. 
‘‘(9) PROVISION OF INFORMATION.—On or be-
fore the date a creditor issues any funds with re-
spect to an extension of credit described in para-
graph (1), the creditor shall notify the relevant insti-
tution of higher education, in writing, of the amount 
of the extension of credit and the student on whose 
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behalf credit is extended. The form of such written 
notification shall be subject to the regulations of the 
Board. 
‘‘(10) DEFINITIONS.—For purposes of this sub-
section, the following definitions shall apply: 
‘‘(A) 
INSTITUTION
OF
HIGHER
EDU-
CATION.—The term ‘institution of higher edu-
cation’ has the same meaning as in section 102 
of the Higher Education Act of 1965 (20 
U.S.C. 1002). 
‘‘(B) PRIVATE
EDUCATIONAL
LENDER.— 
The term ‘private educational lender’ means 
any creditor engaged in the business of solic-
iting, making, or extending private educational 
loans. 
‘‘(C) PRIVATE EDUCATIONAL LOAN.—The 
term ‘private educational loan’— 
‘‘(i) means a loan provided by a pri-
vate educational lender that— 
‘‘(I) is not made, insured, or 
guaranteed under title IV of the 
Higher Education Act of 1965 (20 
U.S.C. 1070 et seq.); and 
‘‘(II) is issued by a private edu-
cational lender expressly for postsec-
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ondary educational expenses to a stu-
dent, or the parent of the student, re-
gardless of whether the loan involves 
enrollment certification by the edu-
cational institution that the student 
attends, or whether the loan is pro-
vided through the educational institu-
tion that the subject student attends 
or directly to the borrower from the 
lender; and 
‘‘(ii) does not include an extension of 
credit under an open end consumer credit 
plan, a reverse mortgage transaction, a 
residential mortgage transaction (as those 
terms are defined in section 103 this Act), 
or any other loan that is secured by real 
property or a dwelling.’’. 
SEC. 1022. APPLICATION OF TRUTH IN LENDING ACT TO 
ALL PRIVATE EDUCATIONAL LOANS. 
Section 104(3) of the Truth in Lending Act (15 
U.S.C. 1603(3)) is amended by inserting ‘‘and other than 
private educational loans (as that term is defined in sec-
tion 140(a))’’ after ‘‘consumer’’. 
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Subtitle C—Financial Literacy 
SEC. 1031. COORDINATED EDUCATION EFFORTS. 
(a) IN GENERAL.—The Secretary of the Treasury (in 
this section referred to as the ‘‘Secretary’’), in coordina-
tion with the Secretary of Education, the Secretary of Ag-
riculture (with respect to land grant covered educational 
institutions), and any other appropriate agency that is a 
member of the Financial Literacy and Education Commis-
sion established under the Financial Literacy and Edu-
cation Improvement Act (20 U.S.C. 9701 et seq.), shall 
seek to enhance financial literacy among students at insti-
tutions of higher education through— 
(1) the development of initiatives, programs, 
and curricula that improve student awareness of the 
short- and long-term costs associated with edu-
cational loans and other debt assumed while in col-
lege, their repayment obligations, and their rights as 
borrowers; and 
(2) assisting such students in navigating the fi-
nancial aid process. 
(b) DUTIES.—For purposes of this section, the Sec-
retary, working in conjunction with the Secretary of Edu-
cation, the Secretary of Agriculture, and the Financial 
Literacy and Education Commission, shall— 
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(1) identify programs that promote or enhance 
financial literacy for college students, with specific 
emphasis on programs that impart the knowledge 
and ability for students to best navigate the finan-
cial aid process, including those that involve partner-
ships between nonprofit organizations, colleges and 
universities, State and local governments, and stu-
dent organizations; 
(2) evaluate the effectiveness of such programs 
in terms of measured results, including positive be-
havioral change among college students; 
(3) promote the programs identified as being 
the most effective; and 
(4) encourage institutions of higher education 
to implement financial education programs for their 
students, including those that have the highest eval-
uations. 
(c) REPORT.— 
(1) IN GENERAL.—Not later than 2 years after 
the date of enactment of this title, the Financial Lit-
eracy and Education Commission shall submit a re-
port to Congress on the state of financial education 
among students at institutions of higher education. 
(2) CONTENT.—The report required by this 
subsection shall include a description of progress 
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made in enhancing financial education with respect 
to student understanding of financial aid, including 
the programs and evaluations required by this sec-
tion. 
(3) APPEARANCE
BEFORE
CONGRESS.—The 
Secretary shall, upon request, provide testimony be-
fore the Committee on Banking, Housing, and 
Urban Affairs of the Senate concerning the report 
required by this subsection. 
Subtitle D—Study and Report on 
Nonindividual Information 
SEC. 1041. STUDY AND REPORT ON NONINDIVIDUAL INFOR-
MATION. 
(a) STUDY.—The Comptroller General of the United 
States (in this section referred to as the ‘‘Comptroller’’) 
conduct a study— 
(1) on the impact on and benefits to borrowers 
of the inclusion of nonindividual factors, including 
cohort default rate, accreditation, and graduation 
rate at institutions of higher education, used in the 
underwriting criteria to determine the pricing of pri-
vate educational loans; 
(2) to examine whether and to what extent the 
inclusion of such nonindividual factors— 
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(A) increases access to private educational 
loans for borrowers who lack credit history or 
results in less favorable rates for such bor-
rowers; and 
(B) impacts the types of private edu-
cational loan products and rates available at 
certain institutions of higher education, includ-
ing a comparison of such impact— 
(i) on private and public institutions; 
and 
(ii) on historically Black colleges and 
universities (defined for purposes of this 
section as a ‘‘part B institution’’, within 
the meaning of section 322 of the Higher 
Education Act of 1965 (20 U.S.C. 1061)) 
and other colleges and universities; and 
(3) to assess the extent to which the use of 
such nonindividual factors in underwriting may have 
a disparate impact on the pricing of private edu-
cational loans, based on gender, race, income level, 
and institution of higher education. 
(b) REPORT.—Not later than 1 year after the date 
of enactment of this title, the Comptroller shall submit 
a report to Congress on the results of the study required 
by this section. 
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Subtitle E—Incentives For Low- 
Cost Educational Loans 
SEC. 1051. CRA CREDIT FOR LOW-COST EDUCATIONAL 
LOANS. 
Section 804 of the Community Reinvestment Act of 
1977 (12 U.S.C. 2903) is amended by adding at the end 
the following new subsection: 
‘‘(d) LOW-COST EDUCATIONAL LOANS.—In assessing 
and taking into account, under subsection (a), the record 
of a financial institution, the appropriate Federal financial 
supervisory agency shall consider, as a factor, low-cost 
educational loans provided by the financial institution to 
low-income borrowers.’’. 
Passed the House of Representatives February 7, 
2008. 
Attest: 
LORRAINE C. MILLER, 
Clerk. 
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