; and (B) in paragraph (2)— (i) by striking may and inserting shall ; and (ii) by striking (A), (B), or (C) and inserting (F) . (2) Effective date The amendment made by paragraph (1)(B) shall be effective beginning October 1, 2018. 6. Improving and expanding Public Service Loan Forgiveness Section 455(m) of the Higher Education Act of 1965 ( 20 U.S.C. 1087e(m) ) is amended— (1) in paragraph (1), by striking 120 and inserting 60 each place it appears; and (2) in paragraph (3)(B)— (A) in clause (i), by striking or after the semicolon; (B) in clause (ii), by striking the period and inserting ; or ; and (C) by adding at the end the following: (iii) a full-time job as a primary care physician in an area or population designated as a Medically Underserved Area or Population by the Health Resource and Services Administration. . 7. Refinancing private education loans for certain borrowers (a) Consolidation for certain borrowers Section 455(g) of the Higher Education Act of 1965 ( 20 U.S.C. 1087e(g) ) is amended— (1) by striking A borrower and inserting the following: (1) In general A borrower ; (2) by inserting , and any loan described in paragraph (2) after July 1, 2010 ; and (3) by adding at the end the following new paragraph: (2) Consolidation of private education loans as a Federal Direct Consolidation Loan for certain borrowers (A) In general Notwithstanding any other provision of law, a borrower who meets the eligibility criteria described in subparagraph (B) shall be eligible to obtain a Federal Direct Consolidation loan under this paragraph that— (i) shall include an eligible private education loan