,i #aaf? ,,congress #b;d ,session ,h4 ,r4 #gdfd ,,9 ,,! ,,h\se ,,( ,,repres5tatives ,july #a1 #bjbj,mr4 ,sean ,patrick ,maloney ( ,new ,york 7= himself1 ,mr4 ,de,fazio1 ,mr4 ,graves ( ,miss\ri1 & ,mr4 ,gibbs7 introduc$ ! foll[+ bill2 :i* 0 ref]r$ to ! ,committee on ,transportation & ,infra/ructure ,a ,,bill ,to am5d title #df1 ,unit$ ,/ates ,code1 to direct ! ,secret>y ( ,transportation to e/abli% a m]*ant m>9] education loan program1 & = o!r purposes4 #a4 ,%ort title ,?is ,act may be cit$ z ! ,elijah ,e4 ,cumm+s ,m]*ant ,m>9] ,work=ce ,developm5t ,act4 #b4 ,c5t]s ( excell5ce = dome/ic m>itime work=ce tra9+ & education3 te*nical am5dm5ts 7a7 ,r$esignation & transf] ( section ,section #edajb ( title #df1 ,unit$ ,/ates ,code1 is r$esignat$ z section #eagjf ( su* title & transf]r$ to appe> aft] section #eagje ( su* title4 7b7 ,cl]ical am5dm5ts ,title #df1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 ! analysis = *apt] #eda1 by /rik+ ! item relat+ to section #edajb2 & 7#b7 9 ! analysis = *apt] #eag1 by /rik+ ! item relat+ to section #eagje & ins]t+ ! foll[+3 #eagje4 ,tra9+ = use ( =ce aga9/ piracy4 #eagjf4 ,c5t] ( excell5ce = dome/ic m>itime work=ce tra9+ & education 4 #c4 ,m]*ant m>9] education loan program 7a7 ,9 g5]al ,*apt] #eag ( title #df1 ,unit$ ,/ates ,code1 z am5d$ by section #b ( ?is ,act1 is fur!r am5d$ by add+ at ! end ! foll[+3 #eagjg4 ,m]*ant m>9] c>e] tra9+ loan program 7a7 ,e/abli%m5t ,! ,secret>y ( ,transportation %all e/abli% ! ,elijah ,e4 ,cumm+s ,m]*ant ,m>9] ,c>e] ,tra9+ ,loan ,program 79 ?is section ref]r$ to z ! program7 9 accordance ) ! requirem5ts ( ?is section4 7b7 ,purpose ,! purpose ( ! program %all be to make m]*ant m>9] c>e] tra9+ loans available to eligible /ud5ts to provide = ! tra9+ ( ,unit$ ,/ates m]*ant m>9]s1 includ+ ^? work+ to receive a ,/&>ds ( ,tra9+1 ,c]tification & ,wat*keep+ endorsem5t "u sub*apt] ,b ( *apt] ,i ( title #df1 ,code ( ,f$]al ,regulations4 7c7 ,adm9i/ration ,! program %all be c>ri$ out by ! ,secret>y1 act+ ?r\gh ! ,adm9i/rator ( ! ,m>itime ,adm9i/ration4 7d7 ,duties ,! ,secret>y %all-- 7#a7 allocate1 on an annual basis1 ! aw>d ( loans "u ! program bas$ on ! ne$s ( /ud5ts2 7#b7 develop an application process & eligibility crit]ia = ! aw>d ( loans "u ! program2 7#c7 approve applications = loans "u ! program bas$ on ! eligibility crit]ia & allocations made "u p>agraph 7#a72 & 7#d7 designate m>itime tra9+ in/itutions at :i* loans made "u ! program may be us$4 7e7 ,designation ( m>itime tra9+ in/itutions 7#a7 ,9 g5]al ,9 designat+ m>itime tra9+ in/itutions "u subsection 7d77#d71 ! ,secret>y-- 7,a7 may include ,f$]al1 ,/ate1 & comm]cial tra9+ in/itutions & nonpr(it tra9+ organizations1 includ+ c5t]s ( excell5ce designat$ "u section #eagjf2 7,b7 %all designate in/itutions bas$ on geographic div]sity & scope ( classes (f]$2 7,c7 %all ensure t designat$ in/itutions h ! ability to adm9i/] ! program2 & 7,d7 %all ensure t designat$ in/itutions meet requirem5ts to provide tra9+ in/ruction = appropriate ,coa/ ,gu>d-approv$ tra9+ in/ruction4 7#b7 ,exclusions ,! ,secret>y-- 7,a7 may exclude f p>ticipation 9 ! program a m>itime tra9+ in/itution t has _h sev]e p]=mance defici5cies1 includ+ defici5cies demon/rat$ by audits or program reviews conduct$ dur+ ! #e cal5d> ye>s imm$iately prec$+ ! pres5t ye>2 7,b7 %all exclude f p>ticipation 9 ! program a m>itime tra9+ in/itution t has del9qu5t or out/&+ debts to ! ,unit$ ,/ates1 unless su* debts are be+ repaid "u or 9 accordance ) a repaym5t arrangem5t satisfactory to ! ,unit$ ,/ates1 or ! ,secret>y 9 ! ,secret>y's discretion det]m9es t ! exi/5ce or am\nt ( any su* debts has n be5 f9ally det]m9$ by ! appropriate ,f$]al ag5cy2 7,c7 may exclude f p>ticipation 9 ! program a m>itime tra9+ in/itution t has fail$ to comply ) quality /&>ds e/abli%$ by ! ,dep>tm5t ( ,labor1 ! ,coa/ ,gu>d1 or a ,/ate2 & 7,d7 may e/abli% su* o!r crit]ia z ! ,secret>y det]m9es w protect ! f9ancial int]e/ ( ! ,unit$ ,/ates & promote ! purposes ( ?is section4 7f7 ,/ate m>itime academies 7#a7 ,use ( funds = loans to /ud5ts att5d+ ,/ate m>itime academies ,! ,secret>y may obligate n m ?an #ej p]c5t ( ! am\nts appropriat$ to c>ry out ?is section = a fiscal ye> = loans to und]graduate /ud5ts att5d+ ,/ate m>itime academies receiv+ assi/ance "u *apt] #eae ( ?is title4 7#b7 ,academic /&>ds = /ud5ts ,/ud5ts at ,/ate m>itime academies receiv+ loans "u ! program %all ma9ta9 satisfactory progress t[>d ! completion ( _! c\rse ( /udy z evid5c$ by ! ma9t5ance ( a cumulative ,c av]age1 or its equival5t1 or academic /&+ consi/5t ) ! requirem5ts = graduation1 z det]m9$ by ! in/itution4 7g7 ,loan am\nts & use 7#a7 ,maximum am\nts 7,a7 ,9 g5]al ,! ,secret>y may n make loans to a /ud5t "u ! program 9 an am\nt t exce$s #cj1jjj 9 a cal5d> ye> or #abj1jjj 9 ! aggregate4 7,b7 ,adju/m5t = inflation ,! ,secret>y %all1 e #e ye>s = ! life ( a loan "u ! program1 adju/ ! maximum am\nts describ$ 9 subp>agraph 7,a7 9 accordance ) any *ange 9 ! ,consum] ,price ,index = ,all ,urban ,consum]s publi%$ by ! ,bureau ( ,labor ,/ati/ics ( ! ,dep>tm5t ( ,labor t occurs s9ce ! previ\s adju/m5t4 7#b7 ,use ( loan proce$s ,a /ud5t :o receives a loan "u ! program may use ! proce$s ( ! loan only = po/second>y exp5ses incurr$ at an in/itution designat$ by ! ,secret>y "u subsection 7d77#d7 = books1 tuition1 requir$ fees1 travel to & f tra9+ facilities1 & room & bo>d4 7h7 ,/ud5t eligibility 7#a7 ,9 g5]al ,subject to p>agraph 7#b71 to be eligible to receive a loan "u ! program1 a /ud5t %all-- 7,a7 be eligible to hold a lic5se or m]*ant m>9] docum5t issu$ by ! ,coa/ ,gu>d2 7,b7 provide to ! ,secret>y su* in=mation z ! ,secret>y may require1 includ+ all curr5t ,coa/ ,gu>d docum5ts1 c]tifications1 pro( ( ,unit$ ,/ates citiz5%ip or p]man5t legal /atus1 & a /atem5t ( int5t to ent] a m>itime c>e]2 7,c7 meet ! enrollm5t requirem5ts ( a m>itime tra9+ in/itution designat$ by ! ,secret>y "u subsection 7d77#d72 & 7,d7 sign an agreem5t to-- 7i7 complete a c\rse ( in/ruction at su* a m>itime tra9+ in/itution2 & 7ii7 ma9ta9 a lic5se or docum5t & "w "u ! au?ority ( ! lic5se or docum5t & any associat$ endorsem5ts = at lea/ #ah mon?s foll[+ ! date ( graduation f ! m>itime program = :i* ! loan proce$s w be us$4 7#b7 ,limitation ,an und]graduate /ud5t at ! ,unit$ ,/ates ,m]*ant ,m>9e ,academy %all n be eligible = a loan "u ! program4 7i7 ,adm9i/ration ( loans 7#a7 ,cont5ts ( loan agreem5ts ,any agreem5t betwe5 ! ,secret>y & a /ud5t borr[] = a loan "u ! program %all-- 7,a7 be evid5c$ by a note or o!r writt5 in/rum5t t provides = ! repaym5t ( ! pr9cipal am\nt ( ! loan & any orig9ation fee1 toge!r ) int]e/ !reon1 9 equal in/allm5ts 7or1 if ! /ud5t borr[] s reque/s1 9 graduat$ p]iodic in/allm5ts det]m9$ 9 accordance ) su* s*$ules z may be approv$ by ! ,secret>y7 payable qu>t]ly1 bimon?ly1 or mon?ly1 at ! option ( ! /ud5t borr[]1 ov] a p]iod beg9n+ #i mon?s f ! date on :i* ! /ud5t borr[] completes /udy or discont9ues att5dance at ! m>itime program = :i* ! loans are us$ at ! in/itution approv$ by ! ,secret>y & n exce$+ #aj ye>s2 7,b7 include provision = accel]ation ( repaym5t ( ! :ole1 or any "p1 ( su* loan1 at ! option ( ! /ud5t borr[]2 7,c7 provide ! loan )\t security & )\t endorsem5t2 7,d7 provide t ! liability to repay ! loan %all be cancel$ ^u ! dea? ( ! /ud5t borr[]1 or if ! /ud5t borr[] becomes p]man5tly & totally disabl$1 z det]m9$ 9 accordance ) regulations to be issu$ by ! ,secret>y2 7,e7 conta9 a notice ( ! sy/em ( disclosure ( in=mation conc]n+ default on su* loan to cr$it bureau organizations2 & 7,f7 include provisions = def]ral ( repaym5t1 z det]m9$ by ! ,secret>y4 7#b7 ,rate ( int]e/ ,a /ud5t borr[] :o receives a loan "u ! program %all be obligat$ to repay ! loan am\nt to ! ,secret>y1 toge!r ) int]e/ beg9n+ 9 ! p]iod ref]r$ to 9 p>agraph 7#a77;,a71 at a rate ( int]e/ det]m9$ by ! ,secret>y1 9 consultation ) ! ,secret>y ( ,education1 9 accordance ) section #dee ( ! ,high] ,education ,act ( #aife 7#bj ,u4,s4,c4 #ajhg;e74 7#c7 ,disclosure requir$ prior to disbursem5t 7,a7 ,9 g5]al ,! ,secret>y %all at or prior to ! "t ! ,secret>y makes a loan to a /ud5t borr[] "u ! program1 provide ?or\gh & adequate loan in=mation on su* loan to ! /ud5t borr[]4 ,! disclosures requir$ by ?is p>agraph may be made z "p ( ! writt5 application mat]ial provid$ to ! /ud5t borr[]1 z "p ( ! promissory note evid5c+ ! loan1 or on a sep>ate writt5 =m provid$ to ! /ud5t borr[]4 7,b7 ,cont5ts ,! disclosures %all include-- 7i7 ! address to :i* communications & paym5ts %\ld be s5t2 7ii7 ! pr9cipal am\nt ( ! loan2 7iii7 ! am\nt ( any *>ges collect$ at or prior to ! disbursal ( ! loan & :e!r su* *>ges are to be d$uct$ f ! proce$s ( ! loan or paid sep>ately by ! /ud5t borr[]2 7iv7 ! /at$ int]e/ rate on ! loan2 7v7 ! ye>ly & cumulative maximum am\nts t may be borr[$2 7vi7 an explanation ( :5 repaym5t ( ! loan w be requir$ & :5 ! /ud5t borr[] w be obligat$ to pay int]e/ t accrues on ! loan2 7vii7 a /atem5t z to ! m9imum & maximum repaym5t t]m t ! ,secret>y may impose1 & ! m9imum mon?ly paym5t requir$ by law & a description ( any p5alty impos$ z a consequ5ce ( default1 su* z liability = exp5ses reasonably incurr$ 9 attempts by ! ,secret>y to collect on a loan2 7viii7 a /atem5t ( ! total cumulative balance1 includ+ ! loan appli$ =1 ow$ by ! /ud5t borr[] to ! ,secret>y1 & an e/imate ( ! project$ mon?ly paym5t1 giv5 su* cumulative balance2 7ix7 an explanation ( any special options ! /ud5t borr[] may h = loan consolidation or o!r ref9anc+ ( ! loan2 7x7 a /atem5t t ! /ud5t borr[] has ! "r to prepay all or "p ( ! loan1 at any "t1 )\t p5alty2 7xi7 a /atem5t summ>iz+ circum/ances 9 :i* repaym5t ( ! loan or int]e/ t accrues on ! loan may be def]r$1 & a brief notice ( ! program = repaym5t ( loans1 on ! basis ( milit>y s]vice1 pursuant to ! ,dep>tm5t ( ,def5se educational loan repaym5t program 7#aj ,u4,s4,c4 #afcjb72 7xii7 a def9ition ( default & ! consequ5ces to ! /ud5t borr[] if ! /ud5t borr[] defaults1 toge!r ) a /atem5t t ! disbursem5t (1 & ! default on1 a loan "u ?is "p %all be report$ to a cr$it bureau or cr$it report+ ag5cy2 7xiii7 to ! ext5t practicable1 ! effect ( accept+ ! loan on ! eligibility ( ! /ud5t borr[] = o!r =ms ( /ud5t assi/ance2 & 7xiv7 an explanation ( any co/ ! /ud5t borr[] may incur 9 ! mak+ or collection ( ! loan4 7,c7 ,in=mation to be provid$ )\t co/ ,! in=mation provid$ "u ?is p>agraph %all be available to ! ,secret>y )\t co/ to ! /ud5t borr[]4 7#d7 ,repaym5t aft] default ,! ,secret>y may require any /ud5t borr[] :o has default$ on a loan made "u ! program to-- 7,a7 pay all reasonable collection co/s associat$ ) su* loan2 & 7,b7 repay ! loan pursuant to an income cont+5t repaym5t plan4 7#e7 ,au?orization to r$uce rates & fees ,not)/&+ any o!r provision ( ?is section1 ! ,secret>y may prescribe by regulation any r$uctions 9 ! int]e/ rate or orig9ation fee paid by a /ud5t borr[] ( a loan made "u ! program z ! ,secret>y det]m9es appropriate to enc\rage ontime repaym5t ( ! loan4 ,su* r$uctions may be (f]$ only if ! ,secret>y det]m9es ! r$uctions are co/ neutral & 9 ! be/ f9ancial int]e/ ( ! ,unit$ ,/ates4 7#f7 ,collection ( repaym5ts ,! ,secret>y %all collect repaym5ts made "u ! program & ex]cise due dilig5ce 9 su* collection1 includ+ ma9t5ance ( all necess>y records to ensure t maximum repaym5ts are made4 ,collection & s]vic+ ( repaym5ts "u ! program %all be pursu$ to ! full ext5t ( ! law1 includ+ wage g>ni%m5t if necess>y4 ,! ,secret>y ( ! ,dep>tm5t 9 :i* ! ,coa/ ,gu>d is op]at+ %all provide ! ,secret>y ( ,transportation ) any in=mation reg>d+ a m]*ant m>9] t may aid 9 ! collection ( repaym5ts "u ?is section4 7#g7 ,repaym5t s*$ule ,a /ud5t borr[] :o receives a loan "u ! program %all repay ! loan qu>t]ly1 bimon?ly1 or mon?ly1 at ! option ( ! /ud5t borr[]1 ov] a p]iod beg9n+ #i mon?s f ! date ! /ud5t borr[] completes /udy or discont9ues att5dance at ! m>itime program = :i* ! loan proce$s are us$ & end+ n m ?an #aj ye>s aft] ! date repaym5t beg9s4 ,provisions = def]ral ( repaym5t %all be det]m9$ by ! ,secret>y4 7#h7 ,contracts = s]vic+ & collection ( loans ,! ,secret>y may-- 7,a7 ent] into a contract or o!r arrangem5t ) ,/ate or nonpr(it ag5cies &1 on a competitive basis1 ) collection ag5cies = s]vic+ & collection ( loans "u ?is section2 & 7,b7 conduct litigation necess>y to c>ry out ?is section4 7j7 ,revolv+ loan fund 7#a7 ,e/abli%m5t ,! ,secret>y %all e/abli% a revolv+ loan fund consi/+ ( am\nts deposit$ 9 ! fund "u p>agraph 7#b74 7#b7 ,deposits ,! ,secret>y %all deposit 9 ! fund-- 7,a7 receipts f ! paym5t ( pr9cipal & int]e/ on loans made "u ! program2 & 7,b7 any o!r monies paid to ! ,secret>y by or on behalf ( individuals "u ! program4 7#c7 ,availability ( am\nts ,am\nts 9 ! fund %all be available to ! ,secret>y1 )\t fur!r appropriation-- 7,a7 to cov] ! adm9i/rative co/s ( ! program1 includ+ ! ma9t5ance ( records & mak+ collections "u ?is section2 & 7,b7 to ! ext5t t am\nts rema9 available aft] pay+ su* adm9i/rative co/s1 to make loans "u ! program4 7#d7 ,ma9t5ance ( records ,! ,secret>y %all ma9ta9 accurate records ( ! adm9i/rative co/s ref]r$ to 9 p>agraph 7#c77;,a74 7k7 ,annual report ,! ,secret>y1 on an annual basis1 %all submit to ! ,committee on ,transportation & ,infra/ructure ( ! ,h\se ( ,repres5tatives & ! ,committee on ,comm]ce1 ,sci5ce1 & ,transportation ( ! ,s5ate a report on ! program1 includ+-- 7#a7 ! total am\nt ( loans made "u ! program 9 ! prec$+ ye>2 7#b7 ! numb] ( /ud5ts receiv+ loans "u ! program 9 ! prec$+ ye>2 & 7#c7 ! total am\nt ( loans made "u program t are 9 default z ( ! date ( ! report4 7l7 ,au?orization ( appropriations ,!re are au?oriz$ to be appropriat$ = ea* ( fiscal ye>s #bjba ?r\gh #bjbf-- 7#a7 #aj1jjj1jjj = mak+ loans "u ! program2 & 7#b7 #a1jjj1jjj = adm9i/rative exp5ses ( ! ,secret>y 9 c>ry+ out ! program4 #eagjh4 ,m]*ant m>9] recruitm5t1 tra9+1 & ret5tion program 7a7 ,/rategic plan 7#a7 ,9 g5]al ,n lat] ?an "o ye> aft] ! date ( enactm5t ( ?is section1 & at lea/ once e #c ye>s !reaft]1 ! ,secret>y ( ,transportation1 act+ ?r\gh ! ,adm9i/rator ( ! ,m>itime ,adm9i/ration1 %all publi% 9 ! ,f$]al ,regi/] a plan to recruit1 tra91 & reta9 m]*ant m>9]s = ! #e-ye> p]iod foll[+ ! date ( publication ( ! mo/ rec5tly publi%$ plan "u ?is p>agraph4 7#b7 ,cont5ts ,a plan publi%$ "u p>agraph 7#a7 %all conta9-- 7,a7 a /rategy to address m]*ant m>9] recruitm5t1 tra9+1 & ret5tion issues 9 ! ,unit$ ,/ates2 & 7,b7 demon/ration & rese>* priorities conc]n+ m]*ant m>9] recruitm5t1 tra9+1 & ret5tion4 7#c7 ,factors ,9 develop+ a plan "u p>agraph 7#a71 ! ,secret>y %all take into acc\nt1 at a m9imum-- 7,a7 ! availability ( exi/+ rese>* 7z ( ! date ( publication ( ! plan72 & 7,b7 ! ne$ to ensure results t h broad applicability4 7#d7 ,consultation ,9 develop+ a plan "u p>agraph 7#a71 ! ,secret>y %all consult ) repres5tatives ( ! m>itime indu/ry1 labor organizations1 includ+ ! ,comm&] ( ! ,transportation ,comm& & ! ,comm&] ( ! ,milit>y ,sealift ,comm&1 & o!r gov]nm5tal entities & p]sons ) an int]e/ 9 ! m>itime indu/ry4 7#e7 ,transmittal to ,congress ,! ,secret>y %all transmit copies ( a plan publi%$ "u p>agraph 7#a7 to ! ,committee on ,transportation & ,infra/ructure ( ! ,h\se ( ,repres5tatives & ! ,committee on ,comm]ce1 ,sci5ce1 & ,transportation ( ! ,s5ate4 7b7 ,demon/ration & rese>* projects 7#a7 ,9 g5]al ,! ,secret>y may aw>d grants to1 or ent] into contracts or coop]ative agreem5ts )1 a m>itime tra9+ in/itutions designat$ "u section #eafjg7;e7 or a consortium su* in/itutions1 to c>ry out demon/ration & rese>* projects t implem5t ! priorities id5tifi$ 9 ! plan prep>$ "u subsection 7a77#a71 = ! purpose ( recruit+1 tra9+1 or reta9+ ,unit$ ,/ates m]*ant m>9]s4 7#b7 ,competitive aw>ds ,grants %all be aw>d$4 & contracts & coop]ative agreem5ts %all be ent]$ into1 "u ?is subsection on a competitive basis "u guidel9es & requirem5ts to be e/abli%$ by ! ,secret>y4 7#c7 ,applications ,to be eligible to receive a grant or ent] into a contract or coop]ative agreem5t "u ?is section = a project "u ?is subsection1 a m>itime tra9+ in/itution %all submit to ! ,secret>y a proposal t includes1 at a m9imum-- 7,a7 a description ( ! project2 & 7,b7 a me?od = evaluat+ ! effectiv5ess ( ! project4 7#d7 ,eligible projects ,projects eligible = grants1 contracts1 & coop]ative agreem5ts "u ?is subsection-- 7,a7 %all c>ry out ! demon/ration & rese>* priorities includ$ 9 ! plan publi%$ "u subsection 7a77#a72 & 7,b7 may-- 7i7 provide tra9+ to upgrade ! skills ( ,unit$ ,/ates m]*ant m>9]s1 includ+ tra9+ to acquire a ,/&>ds ( ,tra9+1 ,c]tification & ,wat*keep+ endorsem5t "u sub*apt] ,b ( *apt] ,i ( title #df1 ,code ( ,f$]al ,regulations2 7ii7 promote ! use ( di/ance le>n+ t enables /ud5ts to take c\rses ?r\gh ! use ( teleconf]5c+1 ! ,int]net1 & o!r m$ia te*nology2 7iii7 assi/ 9 provid+ s]vices to address m]*ant m>9] recruitm5t & tra9+ ( y\? resid+ 9 t>get$ high pov]ty areas )9 emp[]m5t zones & ent]prise communities2 7iv7 implem5t p>tn]%ips ) national & regional organizations ) special exp]tise 9 develop+1 organiz+1 & adm9i/]+ m]*ant m>9] recruitm5t & tra9+ s]vices2 7v7 design1 develop1 & te/ an array ( approa*es to provid+ recruitm5t1 tra9+1 or ret5tion s]vices1 includ+ to "o or m t>get$ populations2 7vi7 9 conjunction ) employ]s1 organiz$ labor1 o!r gr\ps 7su* z community coalitions71 & ,f$]al1 ,/ate1 or local ag5cies1 design1 develop1 & te/ v>i\s tra9+ approa*es 9 ord] to det]m9e effective practices2 or 7vii7 assi/ 9 ! developm5t & replication ( effective s]vice deliv]y /rategies = ! national m>itime indu/ry z a :ole4 #eagji4 ,au?orization ( appropriations ,!re are au?oriz$ to be appropriat$ = ea* ( fiscal ye>s #bjba ?r\gh #bjbf-- 7#a7 #aj1jjj1jjj = mak+ grants & ent]+ into coop]ative agreem5ts "u sections #eagjg & #eagjh2 & 7#b7 #a1jjj1jjj = adm9i/rative exp5ses ( ! ,secret>y 9 c>ry+ out su* sections4 4 7b7 ,con=m+ am5dm5t ,! analysis = su* *apt] is am5d$ by add+ at ! end ! foll[+3 #eagjg4 ,m]*ant m>9] c>e] tra9+ loan program4 #eagjh4 ,m]*ant m>9] recruitm5t1 tra9+1 & ret5tion program4 #eagji4 ,au?orization ( appropriations4 4