; and (E) forbearance shall apply to deferment under section 469A. (b) Eligible student A loan under this part may only be made to a student who— (1) is an eligible student under section 484; (2) has agreed to notify promptly the Secretary and the applicable contractors with which the Secretary has a contract under section 493E concerning— (A) any change of permanent address, telephone number, or email address; (B) when the student ceases to be enrolled on at least a half-time basis; and (C) any other change in status, when such change in status affects the student's eligibility for the loan; and (3) is carrying at least one-half the normal full-time academic workload for the course of study the student is pursuing (as determined by the institution). (c) Loan Application and Promissory Note The common financial reporting form required in section 483(a)(1) shall constitute the application for loans made under this part. The Secretary shall develop, print, and distribute to participating institutions a standard promissory note and loan disclosure form. (d) Borrower defenses A borrower of a loan under this part may assert a defense to repayment to such loan under the provisions of section 455(h) that apply to a borrower of a loan made under part D asserting, on or after the date of enactment of the PROSPER Act, a defense to repayment to such loan made under part D. (e) Identity fraud protection The Secretary shall ensure that monthly Federal ONE Loan statements and other publications of the Department do not contain more than four digits of the Social Security number of any individual. (f) Authority To sell loans The Secretary, in consultation with the Secretary of the Treasury, is authorized to sell loans made under this part on such terms determined to be in the best interest of the United States, except that any such sale shall not result in any cost to the Federal Government. . F Need Analysis 471. Cost of attendance Section 472 ( 20 U.S.C. 1087ll ) is amended— (1) by striking paragraph (10)