<prompt> Translate the following text to Swahili--The sale of a direct loan is a modification according to the Federal Credit Reform Act of 1990 regardless of whether the loan being sold was obligated after FY 1991 or before FY 1992.  <response>: Mfano wa mkopo wa moja kwa moja ni mabadiliko ya mkopo wa moja kwa moja kulingana na Sheria ya Marekebisho ya Mikopo ya Shirikisho ya 1990, bila kujali kama mkopo unaouzwa ulikuwa na wajibu baada ya mwaka wa fedha 1991 au kabla ya mwaka wa fedha 1992. 