; and (B) acknowledges the extent of the borrower’s delayed eligibility for old-age insurance benefits under title II of the Social Security Act (as amended by the Student Security Act of 2017) as a result of receiving such credits. (3) Termination No borrower may enter into an agreement under paragraph (2) unless such borrower was a qualified borrower on or before the date that is 15 years after the date of the enactment of the Student Security Act of 2017. (4) Combination with other forgiveness programs Unless otherwise provided by law, a qualified borrower may combine forgiveness under this subsection with other forgiveness programs under this Act, except in no case shall the total amount of forgiveness received by a borrower under all such programs exceed the amount of Federal student loans owed by such borrower. (5) Definitions In this section: (A) Default The term default has the meaning given the term in section 435(l). (B) Eligible Federal Direct loan The term eligible Federal Direct loan means any loan made under this part, including any such loan on which the borrower has defaulted. (C) Initial qualifying date The term initial qualifying date means the date that is 24 months after the date of the enactment of the Student Security Act of 2017. (D) Qualified borrower The term qualified borrower — (i) with respect to a borrower who seeks to enter into an agreement under paragraph (2) on or before the initial qualifying date, means a borrower of an eligible Federal Direct loan who is not entitled to collect old-age insurance benefits under title II of the Social Security Act as of the date of the agreement under paragraph (2), including a borrower who is a defaulted borrower