#aag? ,,congress  #b;d ,session  ,s4    
#ajih  ,,an ,,act  ,to am5d ! ,high]    
,education ,act ( #aife to au?orize     
borr[]s to sep>ate jo9t consolidation   
loans4  #a4 ,%ort title ,?is ,act may be
 cit$ z ! ,jo9t ,consolidation ,loan    
,sep>ation ,act4  #b4 ,sep>at+ jo9t     
consolidation loans  7a7 ,9 g5]al       
,section #dee7;g7 ( ! ,high] ,education 
,act ( #aife 7#bj ,u4,s4,c4 #ajhg;e7g77 
is am5d$-- 7#a7 by /rik+ ,a borr[] &    
ins]t+ ! foll[+3  7#a7 ,9 g5]al ,a      
borr[]  2 &  7#b7 by add+ at ! end !    
foll[+3  7#b7 ,sep>at+ jo9t             
consolidation loans  7,a7 ,9 g5]al  7i7 
,au?orization ,a m>ri$ c\ple1 or #b     
individuals :o 7 previ\sly a m>ri$      
c\ple1 & :o receiv$ a jo9t consolidation
 loan z su* m>ri$ c\ple "u subp>agraph  
7,c7 ( section #dbh;,c7a77#c7 7z su*    
subp>agraph 0 9 effect on ,june #cj1    
#bjjf71 may apply to ! ,secret>y1 9     
accordance ) subp>agraph 7,c7 ( ?is     
p>agraph1 = ea* individual borr[] 9 !   
m>ri$ c\ple 7or previ\sly m>ri$ c\ple7  

to receive a sep>ate ,f$]al ,direct     
,consolidation ,loan "u ?is "p4  7ii7   
,eligibility = borr[]s 9 default        
,not)/&+ any o!r provision ( ?is ,act1 a
 m>ri$ c\ple1 or #b individuals :o 7    
previ\sly a m>ri$ c\ple1 :o are 9       
default on a jo9t consolidation loan may
 be eligible to receive a sep>ate ,f$]al
 ,direct ,consolidation ,loan "u ?is "p 
9 accordance ) ?is p>agraph4  7,b7      
,secret>ial requirem5ts ,not)/&+ section
 #dbh;,c7a77#c77;,a7 or any o!r         
provision ( law1 = ea* individual borr[]
 :o applies "u subp>agraph 7,a71 !      
,secret>y %all-- 7i7 make a sep>ate     
,f$]al ,direct ,consolidation ,loan "u  
?is "p t-- 7,i7 %all be = an am\nt equal
 to ! product (-- 7aa7 ! unpaid pr9cipal
 & accru$ unpaid int]e/ ( ! jo9t        
consolidation loan 7z ( ! date t is !   
day be=e su* sep>ate consolidation loan 
is made7 & any out/&+ *>ges & fees )    
respect to su* loan2 &  7bb7 ! p]c5tage 
( ! jo9t consolidation loan attributable
 to ! loans ( ! individual borr[] = :om 

su* sep>ate consolidation loan is be+   
made1 z det]m9$-- 7,,aa7 on ! basis ( ! 
loan obligations ( su* borr[] ) respect 
to su* jo9t consolidation loan 7z ( !   
date su* jo9t consolidation loan 0      
made72 or 7,,bb7 9 ! case 9 :i* bo?     
borr[]s reque/1 on ! basis ( proportions
 outl9$ 9 a divorce decree1 c\rt ord]1  
or settlem5t agreem5t2 &  7,,ii7 has !  
same rate ( int]e/ z ! jo9t             
consolidation loan 7z ( ! date t is !   
day be=e su* sep>ate consolidation loan 
is made72 &  7ii7 9 a timely mann]1     
notify ea* individual borr[] t ! jo9t   
consolidation loan _h be5 repaid & ( !  
t]ms & conditions ( _! new loans4  7,c7 
,application = sep>ate direct           
consolidation loan  7i7 ,jo9t           
application ,except z provid$ 9 clause  
7ii71 to receive sep>ate consolidation  
loans "u ?is "p1 bo? individual borr[]s 
9 a m>ri$ c\ple 7or previ\sly m>ri$     
c\ple7 %all jo9tly apply "u subp>agraph 
7,a74  7ii7 ,sep>ate application ,an    
individual borr[] 9 a m>ri$ c\ple 7or   

previ\sly m>ri$ c\ple7 may apply = a    
sep>ate consolidation loan "u           
subp>agraph 7,a7 sep>ately & )\t reg>d  
to :e!r or :5 ! o!r individual borr[] 9 
! m>ri$ c\ple 7or previ\sly m>ri$ c\ple7
 applies "u subp>agraph 7,a71 9 a case 9
 :i*-- 7,i7 ! individual borr[] c]tifies
 to ! ,secret>y t su* borr[]-- 7aa7 has 
exp]i5c$ an act ( dome/ic viol5ce 7z    
def9$ 9 section #djjjb ( ! ,viol5ce     
,aga9/ ,wom5 ,act ( #aiid 7#cd ,u4,s4,c4
 #abbia7 f ! o!r individual borr[]2     
7bb7 has exp]i5c$ economic abuse 7z     
def9$ 9 section #djjjb ( ! ,viol5ce     
,aga9/ ,wom5 ,act ( #aiid 7#cd ,u4,s4,c4
 #abbia7 f ! o!r individual borr[]2 or  
7cc7 is unable to reasonably rea* or    
access ! loan in=mation ( ! o!r         
individual borr[]2 or  7,,ii7 !         
,secret>y det]m9es t au?oriz+ ea*       
individual borr[] to apply sep>ately "u 
subp>agraph 7,a7 w\ld be 9 ! be/ fiscal 
int]e/s ( ! ,f$]al ,gov]nm5t4  7iii7    
,rema9+ obligation f sep>ate application
 ,9 ! case ( an individual borr[] :o    

receives a sep>ate consolidation loan   
due to ! circum/ances describ$ 9 clause 
7ii71 ! o!r non-apply+ individual borr[]
 %all become solely liable = ! rema9+   
balance ( ! jo9t consolidation loan4  4 
7b7 ,con=m+ am5dm5t ,section            
#dbh;,c7a77#c77;,b77i77,v7 ( ! ,high]   
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajgh-c7c77;,b77i77,v77 is am5d$-- 7#a7 
by /rik+ or at ! end ( item 7bb72  7#b7 
by /rik+ ! p]iod at ! end ( item 7cc7 & 
ins]t+ 2 or2 &  7#c7 by add+ at ! end ! 
foll[+3  7dd7 = ! purpose ( sep>at+ a   
jo9t consolidation loan into #b sep>ate 
,f$]al ,direct ,consolidation ,loans "u 
section #dee7;g77#b74  4  ,pass$ !      
,s5ate ,june #ae1 #bjbb4,secret>y