<prompt> Translate the following text to EnglishMabadiliko ya moja kwa moja ni hatua ambazo hubadilisha gharama ya ruzuku kwa sheria ambayo hubadilisha njia ambayo mkoba wa mikopo ya moja kwa moja au dhamana ya mkopo unasimamiwa.  <response>: Indirect modifications are actions that change the subsidy cost by legislation that alters the way in which an outstanding portfolio of direct loans or loan guarantees is administered. 