TERMS OF LOANS.

SEC. 1345. TERMS OF LOANS. (a) In General.— A loan under this part to an Indian student shall— (1) be subject to repayment over a period of not more than 5 years; (2) not bear interest; (3) be subject to forgiveness for services to the tribe in accordance with section 1346; and (4) contain such additional terms and conditions as the initial loan agreement between the tribe or tribal organization and student may prescribe in writing. (b) Cost of Attendance.— Calculation of the cost of attendance for the student must include all costs as determined by the tribe for the purposes of fulfilling the policy of this part. (c) Additional Requirements.— Any student seeking a loan under this part shall apply for and accept the maximum financial aid available from other sources. However, for purposes of determining eligibility, loans provided under this program may not be consid-106 STAT. 811ered in needs analysis under any other Federal law, and may not penalize students in determining eligibility for other funds.