; and (ii) the crop year with the lowest price. (2) Special rule for cover crops In the case of a producer who agrees to plant a cover crop on acres associated with the loan commodity, the applicable loan rate under paragraph (1) shall be increased by an amount equal to $0.20 per bushel. (d) Terms of loans (1) In general In the case of each loan commodity, a conservation loan under this section shall have a term of 9 months beginning on the first day of the first month after the month in which the loan is made. (2) Extensions prohibited The Secretary may not extend the term of a conservation assistance loan for any loan commodity. (e) Repayment of loans (1) In general The Secretary shall permit the producers on a farm to repay a conservation assistance loan under this section for a loan commodity at a rate that is the lesser of the following: (A) The loan rate established under subsection (c). (B) A rate that is equal to the expected market price for the loan commodity as calculated for crop insurance, as determined by the Secretary. (C) Such other rate the Secretary determines will avoid or minimize potential loan forfeitures. (2) Adjustments The Secretary shall make all adjustments that the Secretary determines necessary to— (A) avoid forfeiture or the accumulation of stocks of the commodities placed under a loan under this section; (B) minimize the costs incurred by the Federal Government; (C) allow the commodity produced to be marketed freely and competitively, both domestically and internationally; (D) minimize discrepancies in conservation loan benefits across State boundaries and across country boundaries