; or (iv) 75 percent, if the day the student withdrew occurs when the student has completed (as determined in accordance with subsection (d)) 75 to 99 percent of the payment period or period of enrollment. ; and (C) in paragraph (4)— (i) in subparagraph (A), by striking Secretary), the institution of higher education shall contact the borrower and inserting Secretary), the institution of higher education shall have discretion to determine whether all or a portion of the late or post-withdrawal disbursement should be made, under a publicized institutional policy. If the institution of higher education determines that a disbursement should be made, the institution shall contact the borrower ; and (ii) in subparagraph (B) by striking institution or the student, or both, as may be required under paragraphs (1) and (2) of subsection (b), to the programs under this title in the order specified in and inserting institution, as may be required under paragraph (1) of subsection (b), to the programs under this title in accordance with ; (2) by amending subsection (b) to read as follows: (b) Return of title IV program funds (1) Responsibility of the institution The institution shall return not later than 60 days from the determination of withdrawal, in accordance with paragraph (3), the amount of grant and loan assistance awarded under this title that has not been earned by the student, as calculated under subsection (a)(3)(C). (2) Responsibility of the student (A) In general The student is not responsible to return assistance that has not been earned