; and (2) the term Secretary means the Secretary of the Treasury, other than in the context of the Secretary of Education. 102. Temporary authority to create a credit facility to increase market efficiency in the student loan market (a) Authority (1) In general The Secretary, notwithstanding any provision of section 484 of the Higher Education Act of 1965 ( 20 U.S.C. 1091 ), is authorized to facilitate Federal student loan refinancing into the private market to ensure that borrowers pay lower interest rates that are commensurate with credit risk, so that they may pursue more economically productive activities, such as home purchases and small business formation. (2) No net cost to Government Mechanisms established under this subsection shall not result in any net cost to the Federal Government, as determined jointly by the Secretary, the Secretary of Education, and the Director of the Office of Management and Budget. (3) Federal guarantee A private loan that results from refinancing under a program established under the authority of this section shall receive a Federal Government guarantee of 95 percent of the private loan, including accrued interest on such loan. (4) Disclosures Each lender of a prospective borrower of a private loan that would result from refinancing under a program established under the authority of this section shall disclose to the prospective borrower the information described in section 428C(b)(1)(F) of the Higher Education Act of 1965 ( 20 U.S.C. 1078–3(b)(1)(F) ). (b) Public awareness The Secretary, in consultation with the Secretary of Education, shall— (1) begin a national awareness campaign to alert all Federal student loan borrowers who may benefit from any program or facilities established under this section