; or (iii) be enrolled as a full-time student in an accredited educational institution, and in the final year of a course of a study or program, offered by such institution and approved by the Secretary, leading to a degree in botanical sciences; and (B) submit to the Secretary an application for a contract described in paragraph (4). (3) Information to be included with application and contract forms In disseminating application forms and contract forms to individuals desiring to participate in the loan repayment program, the Secretary shall include with such forms a fair summary of the rights and liabilities of an individual whose application is approved (and whose contract is accepted). Such information shall be written in a manner calculated to be understood by the average individual applying to participate in the loan repayment program. (4) Contracts (A) In general An individual becomes a participant in the loan repayment program only upon the Secretary and the individual entering into a written contract whereby— (i) the Secretary agrees to pay on behalf of the individual loans in accordance with paragraph (5), subject to the availability of appropriated funds; and (ii) the individual agrees to— (I) accept loan payments on behalf of the individual