; and (2) in subparagraph (B), by striking (other than an excepted PLUS loan or an excepted consolidation loan) . (d) Other repayment plans Any plan for the repayment of loans made under title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1070 et seq.), which is finalized by the Secretary of Education on or after the date of enactment of this Act, shall include the repayment of a loan under section 428B of the Higher Education Act of 1965, or a Federal Direct PLUS Loan under part D of title IV of such Act, that is made, insured, or guaranteed on behalf of a dependent student. 204. Determination of adverse credit history Section 428B(a) of the Higher Education Act of 1965 ( 20 U.S.C. 1078–2(a) ) is amended in paragraph (1)(A), by striking regulations promulgated by the Secretary and inserting section 685.200(c) of title 34, Code of Federal Regulations (as in effect on September 30, 2011) . III Borrowers’ right to a meaningful degree 301. Prohibition on suspensions of professional licenses for loan default No evidence of an individual’s default on the repayment of a loan made, insured, or guaranteed under title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1070 et seq.) may be admitted into evidence in a Federal or State proceeding involving the individual’s professional or vocational license. 302. Prohibition on loss of access to transcripts for loan default Section 487(a) of the Higher Education Act of 1965 ( 20 U.S.C. 1094(a) ) (as amended by section 301) is further amended by adding at the end the following new paragraph: (30) (A) The institution will not prohibit a student from accessing the student’s transcripts, degree scrolls, or other certifications of coursework or educational attainments at the institution because the student is in default on the repayment of a loan made, insured, or guaranteed under this title. (B) For purposes of this paragraph, the term student includes former students. . IV Right to effective loan cancellation for borrowers engaged in public service careers 401. Extension