; (B) the term eligible Federal Direct Loan has the meaning given the term in section 455(r)(2) of the Higher Education Act of 1965; (C) the terms founder and full-time employee , with respect to a small business startup, have the meanings given the terms by the Administrator; and (D) the term small business startup means a small business concern that, as of the date that the small business concern submits an application under paragraph (3), has been in existence for not more than 3 years. (2) Role of small business development centers Any small business development center may, for purposes of eligible Federal Direct Loan deferment or cancellation under subsection (f)(5) or (r) of section 455 of the Higher Education Act of 1965 ( 20 U.S.C. 1087e )— (A) certify a small business startup under paragraph (3); and (B) approve eligible Federal Direct Loan deferment or cancellation for a founder or full-time employee of a qualifying small business startup under paragraph (5) or (6). (3) Certification In order to be certified by a small business development center, a small business startup shall submit to the small business development center an application that includes— (A) a 5-year business plan for the small business startup; (B) the number of employees that the small business startup intends to employ on an annual basis