,i  #aaf? ,,congress  #b;d ,session  ,h4
 ,r4 #ghgb  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,july #cj1 #bjbj,mr4  
,gro?man introduc$ ! foll[+ bill2 :i* 0 
ref]r$ to ! ,committee on ,education &  
,labor  ,a ,,bill  ,to am5d ! ,high]    
,education ,act ( #aife to au?orize     
in/itutions ( high] education to limit !
 am\nt ( a ,f$]al loan t an enroll$     
/ud5t may borr[4  #a4 ,%ort title ,?is  
,act may be cit$ z ! ,responsible       
,borr[+ ,act ( #bjbj4  #b4 ,in/itutional
 det]m9$ limits ,section #dee7;a7 ( !   
,high] ,education ,act ( #aife 7#bj     
,u4,s4,c4 #ajhg;e7a77 is am5d$ by add+  
at ! end ! foll[+ new p>agraph3  7#d7   
,in/itutional ,det]m9$ ,limits  7,a7 ,9 
,g5]al ,not)/&+ any o!r provision ( ?is 
,act1 an in/itution ( high] education   
7at ! discretion ( a f9ancial aid       
adm9i/rator at ! in/itution7 may prorate
 or limit ! am\nt ( a loan any /ud5t    
enroll$ 9 a program ( /udy at t         
in/itution may borr[ "u ?is "p = an     
academic ye>-- 7i7 if ! in/itution c    

reasonably demon/rate t /ud5t debt      
levels are or w\ld be excessive = su*   
program by us+ ! mo/ rec5tly available  
data = ! av]age />t+ sal>y 9 ! region 9 
:i* ! in/itution is locat$ = typical    
occupations pursu$ by graduates ( su*   
program f ! ,bureau ( ,labor ,/ati/ics1 
! applicable ,/ate ag5cy1 or !          
in/itution2  7ii7 9 a case 9 :i* ! /ud5t
 is enroll$ on a less ?an full-"t basis 
or ! /ud5t is enroll$ = less ?an ! p]iod
 ( enrollm5t to :i* ! annual loan limit 
applies "u ?is "p1 bas$ on ! /ud5t's    
enrollm5t /atus2  7iii7 bas$ on !       
cr$5tial level 7su* z a degree1         
c]tificate1 or o!r recogniz$ educational
 cr$5tial7 t ! /ud5t w\ld atta9 ^u      
completion ( su* program2 or  7iv7 bas$ 
on ! ye> ( ! program = :i* ! /ud5t is   
seek+ su* loan4  7,b7 ,increases =      
,individual ,/ud5ts ,^u ! reque/ ( a    
/ud5t ^: loan am\nt = an academic ye>   
has be5 prorat$ or limit$ "u subp>agraph
 7,a71 an eligible in/itution 7at !     
discretion ( ! f9ancial aid adm9i/rator 

at ! in/itution7 may increase su* loan  
am\nt to an am\nt n exce$+ ! annual loan
 am\nt applicable to su* /ud5t "u ?is "p
 = su* academic ye> if su* /ud5t        
demon/rates special circum/ances or     
exceptional ne$4  7,c7 ,rule (          
con/ruction ,no?+ 9 ?is p>agraph %all be
 con/ru$ to au?orize a proration or     
limit+ ( loan am\nts by an in/itution ( 
high] education because ( a /ud5t's     
race1 color1 religion1 sex1 m>ital      
/atus1 age1 disability1 or national     
orig94  4