; (D) the parent meets the requirements that apply to a student under section 437(a); (E) the parent— (i) does not have an adverse credit history; or (ii) has an adverse credit history, but has— (I) obtained an endorser who does not have an adverse credit history or documented to the satisfaction of the Secretary that extenuating circumstances exist in accordance with paragraph (4)(D); and (II) completed Federal ONE Parent Loan counseling offered by the Secretary