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SECTION 1. SHORT TITLE; TABLE OF CONTENTS. 
(a) SHORT TITLE.—This Act may be cited as the 
‘‘College Opportunity and Affordability Act of 2008’’. 
(b) TABLE OF CONTENTS.—The table of contents for 
this Act is as follows: 
Sec. 1. Short title; table of contents. 
Sec. 2. References; Effective date. 
TITLE I—TITLE I AMENDMENTS 
Sec. 101. Definitions of institution of higher education. 
Sec. 102. Additional definitions. 
Sec. 103. Treatment of territories and territorial student assistance. 
Sec. 104. National Advisory Committee on Institutional Quality and Integrity. 
‘‘Sec. 114. National Advisory Committee on Institutional Quality and In-
tegrity. 
Sec. 105. Drug and alcohol abuse prevention. 
Sec. 106. Prior rights and obligations. 
Sec. 107. Improved information concerning the Federal student financial aid 
website. 
Sec. 108. State commitment to affordable college education. 
‘‘Sec. 132. State commitment to affordable college education. 
Sec. 109. Transparency in college tuition for consumers. 
‘‘Sec. 133. Transparency in college tuition for consumers. 
Sec. 110. Textbook information. 
‘‘Sec. 134. Textbook information. 
Sec. 111. Database of student information prohibited. 
‘‘Sec. 135. Database of student information prohibited. 
Sec. 112. In-State tuition rates for members of the Armed Forces on active 
duty and dependents. 
‘‘Sec. 136. In-State tuition rates for members of the Armed Forces on ac-
tive duty and dependents. 
Sec. 113. Endowment Reporting. 
‘‘Sec. 137. Endowment Reporting. 
Sec. 114. State higher education information system pilot program. 
‘‘Sec. 138. State higher education information system pilot program. 
Sec. 115. Institution and lender reporting and disclosure requirements. 
‘‘PART E—LENDER AND INSTITUTION REQUIREMENTS RELATING TO 
EDUCATIONAL LOANS 
‘‘Sec. 151. Definitions. 
‘‘Sec. 152. Requirements for lenders and institutions participating in pre-
ferred lender arrangements. 
‘‘Sec. 153. Interest rate report for institutions and lenders participating in 
preferred lender arrangements. 
‘‘Sec. 154. Private educational loan disclosure requirements for covered in-
stitutions. 
‘‘Sec. 155. Integrity provisions. 
‘‘Sec. 156. Compliance and enforcement.
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‘‘Sec. 157. Student loan counseling. 
Sec. 116. Feasibility study for national electronic student loan marketplace. 
TITLE II—TITLE II REVISION 
Sec. 201. Revision of title II. 
‘‘TITLE II—TEACHER QUALITY ENHANCEMENT 
‘‘Sec. 200. Definitions. 
‘‘Sec. 200A. Rule of Construction. 
‘‘PART A—TEACHER QUALITY PARTNERSHIP GRANTS 
‘‘Sec. 201. Purposes; Definitions. 
‘‘Sec. 202. Partnership grants. 
‘‘Sec. 203. Administrative provisions. 
‘‘Sec. 204. Accountability and evaluation. 
‘‘Sec. 205. Accountability for programs that prepare teachers. 
‘‘Sec. 206. Teacher development. 
‘‘Sec. 207. State functions. 
‘‘Sec. 208. General provisions. 
‘‘Sec. 209. Authorization of appropriations. 
‘‘PART B—PREPARING TEACHERS FOR DIGITAL AGE LEARNERS 
‘‘Sec. 221. Program authorized. 
‘‘Sec. 222. Uses of Funds. 
‘‘Sec. 223. Application requirements. 
‘‘Sec. 224. Evaluation. 
‘‘Sec. 225. Authorization of appropriations. 
‘‘PART C—ENHANCING TEACHER EDUCATION 
‘‘Sec. 240. Authorization of appropriations. 
‘‘SUBPART 1—RECRUITING TEACHERS WITH MATH, SCIENCE, OR LANGUAGE 
MAJORS 
‘‘Sec. 241. Program authorized. 
‘‘SUBPART 2—COMMUNITY COLLEGES AS PARTNERS IN TEACHER EDUCATION 
GRANTS 
‘‘Sec. 251. Grants to community colleges. 
‘‘Sec. 252. Definitions. 
‘‘SUBPART 3—HONORABLE AUGUSTUS F. HAWKINS CENTERS OF EXCELLENCE 
‘‘Sec. 261. Definitions. 
‘‘Sec. 262. Augustus F. Hawkins Centers of excellence. 
‘‘SUBPART 4—TEACH FOR AMERICA 
‘‘Sec. 271. Teach for America. 
‘‘SUBPART 5—EARLY CHILDHOOD EDUCATION PROFESSIONAL DEVELOPMENT 
AND CAREER TASK FORCE 
‘‘Sec. 281. Purpose.
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‘‘Sec. 282. Definition of early childhood education program. 
‘‘Sec. 283. Grants authorized. 
‘‘Sec. 284. State task force establishment. 
‘‘Sec. 285. State task force activities. 
‘‘Sec. 286. State application and report. 
‘‘Sec. 287. Evaluations. 
‘‘SUBPART 6—PREPARING GENERAL EDUCATION TEACHERS TO MORE 
EFFECTIVELY EDUCATE STUDENTS WITH DISABILITIES 
‘‘Sec. 291. Teach to Reach Grants. 
Sec. 202. National Academy of Sciences study of best practices in teacher prep-
aration. 
TITLE III—TITLE III AMENDMENTS 
Sec. 301. Program purpose. 
Sec. 302. Title III grants for American Indian Tribally Controlled Colleges and 
Universities. 
Sec. 303. Predominantly Black Institutions. 
‘‘Sec. 318. Predominantly Black Institutions. 
Sec. 304. Assistance to Asian American and Native American Pacific Islander- 
serving institutions. 
‘‘Sec. 319. Asian American and Native American Pacific Islander-serving 
institutions. 
Sec. 305. Native American-serving, nontribal institutions. 
‘‘Sec. 320. Native American-serving, nontribal institutions. 
Sec. 306. Strengthening Historically Black Colleges and Universities. 
Sec. 307. Endowment Challenge Grants. 
Sec. 308. Historically Black College and University Capital Financing. 
Sec. 309. Programs in STEM fields. 
‘‘SUBPART 2—PROGRAMS IN STEM FIELDS 
‘‘Sec. 355. YES Partnerships grant program. 
‘‘Sec. 356. Promotion of entry into STEM fields. 
‘‘Sec. 357. Evaluation and Accountability Plan. 
Sec. 310. Technical assistance. 
Sec. 311. Waiver authority. 
Sec. 312. Authorization of appropriations. 
Sec. 313. Technical corrections. 
TITLE IV—TITLE IV AMENDMENTS 
PART A—PART A AMENDMENTS 
Sec. 401. Federal Pell Grants. 
Sec. 402. Federal TRIO Programs. 
Sec. 403. GEARUP Amendments. 
Sec. 404. Academic Achievement Incentive Scholarships. 
Sec. 405. Federal Supplemental Educational Opportunity Grants. 
Sec. 406. Grants for access and persistence. 
‘‘Sec. 415E. Grants for access and persistence. 
Sec. 407. Special programs for students whose families are engaged in migrant 
and seasonal farmwork. 
Sec. 408. Robert C. Byrd Honors Scholarship Program.
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‘‘SUBPART 6—ROBERT C. BYRD AMERICAN COMPETITIVENESS PROGRAM 
‘‘Sec. 419A. Robert C. Byrd mathematics and science honors scholarship 
program. 
‘‘Sec. 419B. Mathematics and science incentive program. 
‘‘Sec. 419C. Foreign Language Partnerships. 
‘‘Sec. 419D. Adjunct Teacher Corps. 
‘‘Sec. 419E. Authorization of appropriations. 
Sec. 409. Child care access means parents in school. 
Sec. 410. Learning Anytime Anywhere Partnerships. 
Sec. 411. TEACH Grants. 
‘‘Sec. 420P. Program evaluation. 
PART B—FEDERAL FAMILY EDUCATION LOANS 
Sec. 421. Limitations on Amounts of Loans Covered by Federal Insurance. 
Sec. 422. Federal Interest Subsidies. 
Sec. 423. Student loan information. 
Sec. 424. Voluntary flexible agreements. 
Sec. 425. Grace period for graduate and professional student PLUS loans. 
Sec. 426. Consolidation loan disclosure. 
Sec. 427. Extension of consolidation loan authority. 
Sec. 428. Requirements for disbursement of student loans. 
Sec. 429. Loan forgiveness for service in areas of national need. 
‘‘Sec. 428K. Loan forgiveness for service in areas of national need. 
Sec. 430. Loan repayment for civil legal assistance attorneys. 
‘‘Sec. 428L. Loan repayment for civil legal assistance attorneys. 
Sec. 431. Loan forgiveness for volunteer mentoring. 
‘‘Sec. 428M. Loan forgiveness for volunteer mentoring. 
Sec. 432. Settlement of claims. 
Sec. 433. Delinquency prevention, default aversion, and consumer education in-
formation programs. 
‘‘Sec. 433A. Delinquency prevention, default aversion, and consumer edu-
cation information programs. 
Sec. 434. Definition of eligible institution: participation rate index. 
Sec. 434. Definition of eligible lender. 
Sec. 435. Cohort default rates. 
Sec. 436. Disability determinations. 
PART C—COLLEGE WORK/STUDY 
Sec. 441. Reauthorization. 
Sec. 442. Additional funds for off-campus community service. 
Sec. 443. Work Colleges. 
PART D—FEDERAL DIRECT STUDENT LOANS 
Sec. 451. Reauthorization. 
Sec. 452. Public service job definition. 
Sec. 453. Identity fraud protection. 
Sec. 454. No accrual of interest for active duty service members. 
Sec. 455. Direct loan program audit and reporting requirements. 
PART E—PERKINS LOANS 
Sec. 461. Extension of authority. 
Sec. 462. Allowance for books and supplies.
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Sec. 463. Agreements with institutions. 
Sec. 464. Perkins loan terms and conditions. 
Sec. 465. Cancellation for public service. 
Sec. 466. Sense of Congress regarding Perkins Loans. 
PART F—NEED ANALYSIS 
Sec. 471. Cost of attendance. 
Sec. 472. Discretion to make adjustments for nursing home expenses. 
Sec. 473. Definitions. 
Sec. 474. Use of most recent tax information in need analysis. 
PART G—GENERAL PROVISIONS 
Sec. 481. Compliance calendar. 
Sec. 482. Improvements to paper and electronic forms and processes. 
Sec. 483. Increasing access to technology. 
Sec. 484. Sense of the Congress. 
Sec. 485. Student eligibility. 
Sec. 486. Assessment of costs and other charges. 
Sec. 487. Readmission requirements for servicemembers. 
Sec. 488. Institutional and financial assistance information for students. 
Sec. 489. Articulation agreements. 
‘‘Sec. 486A. Articulation agreements. 
Sec. 490. Program participation agreements. 
Sec. 491. Regulatory relief and improvement. 
Sec. 492. Transfer of allotments. 
Sec. 493. Advisory Committee on Student Financial Assistance. 
Sec. 494. Negotiated rulemaking. 
Sec. 495. Technical amendment. 
Sec. 495A. Campus-based digital theft prevention. 
‘‘Sec. 494. Campus-based digital theft prevention. 
PART H—PROGRAM INTEGRITY 
Sec. 496. Recognition of accrediting agency or association. 
Sec. 497. Accreditation Ombudsman. 
‘‘Sec. 497. Accreditation Ombudsman. 
Sec. 498. Program review and data. 
Sec. 499. Competitive loan auction pilot program evaluation. 
TITLE V—TITLE V AMENDMENTS 
Sec. 501. Postbaccalaureate opportunities for Hispanic Americans. 
‘‘PART B—PROMOTING POSTBACCALAUREATE OPPORTUNITIES FOR HISPANIC 
AMERICANS 
‘‘Sec. 511. Purposes. 
‘‘Sec. 512. Program authority and eligibility. 
‘‘Sec. 513. Authorized activities. 
‘‘Sec. 514. Application and duration. 
TITLE VI—TITLE VI AMENDMENTS 
Sec. 601. International and foreign language studies. 
Sec. 602. Business and international education programs. 
Sec. 603. Institute for International Public Policy.
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‘‘Sec. 621. Program for foreign service professionals. 
Sec. 604. Preparing for early foreign language instruction. 
‘‘PART D—PREPARING FOR EARLY FOREIGN LANGUAGE 
INSTRUCTION 
‘‘Sec. 631. Preparing for early foreign language instruction. 
Sec. 605. Evaluation, outreach, and dissemination. 
‘‘Sec. 642. Evaluation, outreach, and dissemination. 
Sec. 606. Student safety. 
‘‘Sec. 643. Student safety. 
Sec. 607. Science and technology advanced foreign language education grant 
program. 
‘‘Sec. 644. Science and technology advanced foreign language education 
grant program. 
Sec. 608. Reporting by Institutions. 
‘‘Sec. 645. Reporting by Institutions. 
Sec. 609. Federal foreign language education marketing campaign. 
TITLE VII—TITLE VII AMENDMENTS 
Sec. 701. Javits fellowship program. 
Sec. 702. Graduate assistance in areas of national need. 
Sec. 703. Thurgood Marshall legal educational opportunity program. 
Sec. 704. Patsy T. Mink Fellowship program. 
‘‘SUBPART 4—PATSY T. MINK FELLOWSHIP PROGRAM 
‘‘Sec. 722. Patsy T. Mink Fellowships. 
Sec. 705. Masters Degrees Programs at Historically Black Colleges and Univer-
sities and Other Minority Serving Institutions. 
‘‘SUBPART 5—MASTERS DEGREES PROGRAMS AT HISTORICALLY BLACK 
COLLEGES AND UNIVERSITIES AND OTHER MINORITY SERVING INSTITUTIONS 
‘‘Sec. 723. Grants to Academic Departments and Programs at Eligible In-
stitutions. 
Sec. 706. Fund for the improvement of postsecondary education. 
Sec. 707. Urban-serving research universities. 
‘‘PART C—URBAN-SERVING RESEARCH UNIVERSITIES 
‘‘Sec. 751. Purpose; program authorized. 
‘‘Sec. 752. Application for urban-serving research university grants. 
‘‘Sec. 753. Allowable activities. 
‘‘Sec. 754. Definitions. 
‘‘Sec. 755. Authorization of appropriations. 
Sec. 708. Programs to ensure students with disabilities receive a quality higher 
education. 
‘‘SUBPART 1—QUALITY HIGHER EDUCATION 
‘‘SUBPART
2—NATIONAL
TECHNICAL
ASSISTANCE
CENTER; COMMISSION
ON 
ACCESSIBLE MATERIALS; PROGRAMS TO SUPPORT IMPROVED ACCESS TO MA-
TERIALS 
‘‘Sec. 766. National Center.
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‘‘Sec. 766A. Establishment of advisory commission on accessible instruc-
tional materials in postsecondary education for students 
with disabilities. 
‘‘Sec. 766B. Model demonstration programs to support improved access to 
postsecondary instructional materials for students with 
print disabilities. 
‘‘Sec. 766C. Authorization of appropriations. 
‘‘SUBPART 3—TRANSITION PROGRAMS FOR STUDENTS WITH INTELLECTUAL 
DISABILITIES INTO HIGHER EDUCATION; COORDINATING CENTER 
‘‘Sec. 767. Purpose. 
‘‘Sec. 768. Definitions. 
‘‘Sec. 769. Model comprehensive transition and postsecondary programs 
for students with intellectual disabilities. 
‘‘Sec. 770. Coordinating center for technical assistance, evaluation, and de-
velopment of standards. 
‘‘Sec. 770A. Authorization of appropriations. 
Sec. 709. Subgrants to nonprofit organizations. 
Sec. 710. Nursing education. 
‘‘PART F—NURSING EDUCATION 
‘‘Sec. 776. Additional capacity for R.N. students or graduate-level nursing 
students. 
‘‘Sec. 777. Nurse Faculty Pilot Project. 
Sec. 711. National study on higher education access and success for students 
with disabilities. 
TITLE VIII—ADDITIONAL PROGRAMS 
Sec. 801. Additional programs. 
‘‘TITLE VIII—ADDITIONAL PROGRAMS 
‘‘Sec. 800. Authorization of appropriations. 
‘‘PART A—LOW TUITION 
‘‘Sec. 801. Incentives and rewards for low tuition. 
‘‘PART B—COOPERATIVE EDUCATION 
‘‘Sec. 811. Statement of purpose; definition. 
‘‘Sec. 812. Reservations. 
‘‘Sec. 813. Grants for cooperative education. 
‘‘Sec. 814. Demonstration and innovation projects; training and resource 
centers; and research. 
‘‘PART C—COLLEGE PARTNERSHIP GRANTS 
‘‘Sec. 821. College Partnership Grants Authorized. 
‘‘PART D—STUDENT SUCCESS GRANTS 
‘‘Sec. 826. Student success grants. 
‘‘PART E—JOBS TO CAREERS
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‘‘Sec. 831. Grants to create bridges from jobs to careers. 
‘‘PART F—PROJECT GRAD 
‘‘Sec. 836. Project GRAD. 
‘‘PART G—IMPROVING COLLEGE ENROLLMENT BY SECONDARY SCHOOLS 
‘‘Sec. 841. Improving college enrollment by secondary schools. 
‘‘PART H—DIPLOMA MILL PREVENTION 
‘‘Sec. 851. Purpose; Definitions. 
‘‘Sec. 852. Recognized accrediting agencies and institutions. 
‘‘Sec. 853. Accrediting agencies. 
‘‘Sec. 854. Task Force. 
‘‘Sec. 855. Sense of the Congress regarding use by States of the Federal 
Plan as guidelines. 
‘‘Sec. 856. Unfair and deceptive acts and practices regarding diplomas and 
professional certifications. 
‘‘PART I—STUDENT SAFETY AND CAMPUS EMERGENCY MANAGEMENT 
‘‘Sec. 861. Student safety and campus emergency management. 
‘‘Sec. 862. Model emergency response policies, procedures, and practices. 
‘‘Sec. 863. Preparation for future disasters plan by the Secretary. 
‘‘Sec. 864. Education disaster and emergency relief loan program. 
‘‘Sec. 865. Guidance on mental health disclosures for student safety. 
‘‘PART J—RURAL DEVELOPMENT GRANTS FOR RURAL COLLEGES AND 
UNIVERSITIES 
‘‘Sec. 871. Purpose. 
‘‘Sec. 872. Definitions. 
‘‘Sec. 873. Ensuring college access for rural high school graduates. 
‘‘Sec. 874. Economic development partnerships. 
‘‘Sec. 875. Quality of life in rural areas. 
‘‘Sec. 876. Allocation of appropriations. 
‘‘PART K—IMPROVING SCIENCE, TECHNOLOGY, ENGINEERING, AND MATHE-
MATICS EDUCATION WITH A FOCUS ON ALASKA NATIVE AND NATIVE HA-
WAIIAN STUDENTS 
‘‘Sec. 880. Improving science, technology, engineering, and mathematics 
education with a focus on Alaska Native and Native Ha-
waiian students. 
‘‘PART L—NATIONAL DATABASE ON FINANCIAL ASSISTANCE FOR STUDY OF 
SCIENCE, TECHNOLOGY, ENGINEERING, AND MATHEMATICS 
‘‘Sec. 881. National Database on Financial Assistance For Study of 
Science, Technology, Engineering, and Mathematics. 
‘‘PART M—TRAINING FOR REALTIME WRITERS 
‘‘Sec. 882. Program to promote training and job placement of realtime 
writers. 
‘‘PART N—CENTERS OF EXCELLENCE FOR VETERAN STUDENT SUCCESS
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‘‘Sec. 883. Model Programs for Centers of Excellence for Veteran Student 
Success. 
‘‘PART O—UNIVERSITY SUSTAINABILITY PROGRAMS 
‘‘SUBPART 1—SUSTAINABILITY PLANNING GRANTS 
‘‘Sec. 884. Grants authorized. 
‘‘SUBPART 2—SUMMIT ON SUSTAINABILITY 
‘‘Sec. 885. Summit on sustainability. 
‘‘PART P—MODELING AND SIMULATION PROGRAMS 
‘‘Sec. 886. Modeling and Simulation. 
‘‘PART Q—BUSINESS WORKFORCE PARTNERSHIPS 
‘‘Sec. 887. Grants to create business workforce partnerships. 
‘‘PART R—PATH TO SUCCESS PROGRAM 
‘‘Sec. 887. Path to Success. 
Sec. 802. Sense of the Congress; report. 
Sec. 803. Independent evaluation of distance education programs. 
Sec. 804. Encouraging colleges and universities to ‘‘go green’’. 
Sec. 805. Study of costs of environmental, health, and safety standards. 
Sec. 806. Study of minority male academic achievement. 
Sec. 807. Study on bias in standardized tests. 
Sec. 808. Feasibility study on student loans. 
Sec. 809. Endowment report. 
Sec. 810. Study of Correctional Postsecondary Education. 
Sec. 811. National Undergraduate Fellows Program. 
Sec. 812. National Center for Learning Science and Technology Trust Fund. 
Sec. 813. GAO Study of education related indebtedness of medical school grad-
uates. 
Sec. 814. Study on Regional Sensitivity in the Needs Analysis Formula. 
Sec. 815. Dyslexia Study. 
Sec. 816. Study and report on borrower repayment plans. 
Sec. 817. Nursing school capacity. 
Sec. 818. Study of the impact of student loan debt on public service. 
Sec. 819. Federal regulation of higher education report. 
Sec. 820. Study of aid to less-than-half-time students. 
Sec. 821. Establishment of pilot program for course material rental. 
TITLE IX—AMENDMENTS TO OTHER LAWS 
PART A—EDUCATION OF THE DEAF ACT OF 1986 
Sec. 901. Laurent Clerc National Deaf Education Center. 
Sec. 902. Agreement with Gallaudet University. 
Sec. 903. Agreement for the National Technical Institute for the Deaf. 
Sec. 904. Audit. 
Sec. 905. Reports. 
Sec. 906. Monitoring, evaluation, and reporting. 
Sec. 907. Liaison for educational programs.
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Sec. 908. Federal endowment programs for Gallaudet University and the Na-
tional Technical Institute for the Deaf. 
Sec. 909. Oversight and effect of agreements. 
Sec. 910. International students. 
Sec. 911. Research priorities. 
Sec. 912. National study on the education of the deaf. 
Sec. 913. Authorization of appropriations. 
PART B—INDIAN EDUCATION 
SUBPART 1—TRIBAL COLLEGES AND UNIVERSITIES 
Sec. 921. Reauthorization of the Tribally Controlled College or University As-
sistance Act of 1978. 
‘‘Sec. 105. Technical assistance contracts. 
‘‘TITLE V—TRIBALLY CONTROLLED POSTSECONDARY CAREER 
AND TECHNICAL INSTITUTIONS 
‘‘Sec. 501. Definition of tribally controlled postsecondary career and tech-
nical institution. 
‘‘Sec. 502. Tribally controlled postsecondary career and technical institu-
tions program. 
‘‘Sec. 503. Applicability of other laws. 
‘‘Sec. 504. Authorization of appropriations. 
‘‘Sec. 1. Short title. 
SUBPART 2—NAVAJO HIGHER EDUCATION 
Sec. 931. Reauthorization of Navajo Community College Act. 
PART C—HIGHER EDUCATION AMENDMENTS OF 1998; HIGHER EDUCATION 
AMENDMENTS OF 1992 
Sec. 941. Grants for training for incarcerated individuals. 
‘‘PART D—GRANTS FOR TRAINING FOR INCARCERATED INDIVIDUALS 
‘‘Sec. 821. Grants for improved workplace and community transition train-
ing for incarcerated individuals. 
Sec. 942. Underground railroad. 
Sec. 943. Repeals of Expired and Executed Provisions. 
Sec. 944. Olympic Scholarships. 
Sec. 945. Establishment of Assistant Secretary for International and Foreign 
Language Education. 
‘‘Sec. 207A. Office of international and foreign language education. 
PART D—JUSTICE DEPARTMENT PROGRAMS 
Sec. 951. Loan repayment for prosecutors and defenders. 
‘‘PART JJ—LOAN REPAYMENT FOR PROSECUTORS AND PUBLIC DEFENDERS 
‘‘Sec. 3111. Grant authorization. 
Sec. 952. National center for campus public safety. 
Sec. 953. Private loan forgiveness. 
PART E—STEVENSON-WYDLER TECHNOLOGY INNOVATION ACT OF 1980
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Sec. 961. Establishment of Program. 
Sec. 962. Authorization of appropriations. 
TITLE X—PRIVATE STUDENT LOAN TRANSPARENCY AND 
IMPROVEMENT 
Sec. 1001. Short title. 
Sec. 1002. Definitions. 
Sec. 1003. Regulations. 
Sec. 1004. Effective dates. 
Subtitle A—Preventing Unfair and Deceptive Private Educational Lending 
Practices and Eliminating Conflicts of Interest 
Sec. 1011. Amendment to the Truth in Lending Act. 
‘‘§ 140. Preventing unfair and deceptive private educational lending prac-
tices and eliminating conflicts of interest. 
Sec. 1012. Civil liability. 
Subtitle B—Improved Disclosures for Private Educational Loans 
Sec. 1021. Private educational loan disclosures and limitations. 
Sec. 1022. Application of Truth in Lending Act to all private educational loans. 
Subtitle C—Financial Literacy 
Sec. 1031. Coordinated education efforts. 
Subtitle D—Study and Report on Nonindividual Information 
Sec. 1041. Study and report on nonindividual information. 
Subtitle E—Incentives For Low-Cost Educational Loans 
Sec. 1051. CRA credit for low-cost educational loans. 
SEC. 2. REFERENCES; EFFECTIVE DATE. 
(a) REFERENCES.—Except as otherwise expressly 
provided therein, whenever in this Act an amendment or 
repeal is expressed in terms of an amendment to, or repeal 
of, a section or other provision, the reference shall be con-
sidered to be made to a section or other provision of the 
Higher Education Act of 1965 (20 U.S.C. 1001 et seq.). 
(b) EFFECTIVE DATE.—Except as otherwise provided 
in this Act or the amendments made by this Act, the
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amendments made by this Act shall be effective on the 
date of enactment of this Act. 
TITLE I—TITLE I AMENDMENTS 
SEC. 101. DEFINITIONS OF INSTITUTION OF HIGHER EDU-
CATION. 
(a) DEGREE PROGRAMS.—Section 101 (20 U.S.C. 
1001) is amended— 
(1) in subsection (a)(1), by inserting before the 
semicolon the following: ‘‘, or persons who meet the 
requirements of section 484(d)(3)’’; 
(2) in subsection (a)(3), by inserting ‘‘, or 
awards a degree that is acceptable for admission to 
a graduate or professional degree program, subject 
to review and approval by the Secretary’’ after ‘‘such 
a degree’’; and 
(3) by striking subsection (b)(2) and inserting 
the following: 
‘‘(2) a public or nonprofit private educational 
institution in any State that, in lieu of the require-
ment in subsection (a)(1), admits as regular stu-
dents persons— 
‘‘(A) who are beyond the age of compul-
sory school attendance in the State in which the 
institution is located; or
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‘‘(B) who will be dually or concurrently en-
rolled in the institution and a secondary 
school.’’. 
(b) INTERNATIONAL MEDICAL SCHOOLS.—Section 
102(a)(2)(A) (20 U.S.C. 1002(a)(2)(A)) is amended— 
(1) in the first sentence, by inserting ‘‘nursing 
school,’’ after ‘‘graduate medical school,’’; 
(2) in clause (i)— 
(A) by striking ‘‘or’’ at the end of sub-
clause (I); and 
(B) by striking subclause (II) and insert-
ing the following new subclauses: 
‘‘(II) the institution has or had a 
clinical training program that was ap-
proved by a State as of January 1, 
1992, and continues to operate a clin-
ical training program in at least one 
State, which is approved by that 
State; or 
‘‘(III) the institution— 
‘‘(aa) has a clinical training 
program that was approved by a 
State before January 1, 2008; 
‘‘(bb) certifies only unsub-
sidized Stafford or PLUS loans
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under part B of title IV to grad-
uate and professional students 
attending the institution; and 
‘‘(cc) agrees to reimburse 
the Secretary for the cost of any 
loan defaults for students in-
cluded in the institution’s cohort 
default rate during the previous 
fiscal year; or’’; and 
(3) by striking the period at the end of clause 
(ii) and inserting ‘‘; or’’; and 
(4) by adding at the end the following new 
clause: 
‘‘(iii) in the case of a nursing school 
located outside of the United States, the 
institution— 
‘‘(I) has agreements with hos-
pitals or eligible nursing schools lo-
cated in the United States that in-
clude provisions for students to com-
plete their clinical training at such 
hospitals and eligible nursing schools; 
‘‘(II) certifies only unsubsidized 
Stafford and PLUS loans under part
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‘‘(D) develop annual benchmarks for the insti-
tution to reduce costs in areas identified under sub-
paragraph (C); 
‘‘(E) conduct an in-depth analysis of such iden-
tified areas for cost reduction opportunities; and 
‘‘(F) submit a report to the Secretary and the 
institution on the results of the review and analysis 
conducted under this subsection. 
‘‘(2) An institution of higher education that does not 
meet the benchmarks established under paragraph (1)(D) 
shall provide to the Secretary a detailed explanation of the 
reasons why the institution did not meet such benchmarks. 
‘‘(e) INFORMATION TO THE PUBLIC.—The Secretary 
shall compile the information submitted under subsections 
(c) and (d) and shall submit an annual report summa-
rizing such information to the authorizing committees and 
publish such report on the College Navigator website. 
‘‘(f) EXEMPTIONS.—An institution shall not be 
placed on the list required under subsection (a)(3) and 
shall not be subject to the reporting in subsection (c) if, 
for the 3-year interval described in subsection (a)(3) the 
institution meets the following criteria: 
‘‘(1) With respect to the category of institutions 
described in subsection (b) to which the institution 
belongs, the computed price of the institution is in