; and (II) if the adjustment calculated under subclause (I) is equal to or greater than $100— (aa) add the adjustment to the debt amount, or its inflation-adjusted equivalent; and (bb) round up to the nearest $5. (iii) Publication The Secretary shall publish a notice in the Federal Register announcing any increase to the threshold amount specified in subparagraph (A)(i)(I). (C) Treatment of absence of credit history For purposes of this section, the Secretary shall not consider the absence of a credit history as an adverse credit history and shall not deny a Federal ONE Parent loan on that basis. (D) Extenuating circumstances For purposes of this section, the Secretary may determine that extenuating circumstances exist based on documentation that may include— (i) an updated credit report for the parent; or (ii) a statement from the creditor that the parent has repaid or made satisfactory arrangements to repay a debt that was considered in determining that the parent has an adverse credit history (b) Limitation based on need Any loan under this section may be counted as part of the expected family contribution in the determination of need under this title, but no loan may be made to any parent under this section for any academic year in excess of the lesser of— (1) the student’s estimated cost of attendance minus the student’s estimated financial assistance (as calculated under section 465(b)(1)(A)); or (2) the established annual loan limits for such loan under section 465(b). (c) Parent Loan Disbursement All loans made under this section shall be disbursed in accordance with the requirements of section 465(a) and shall be disbursed by— (1) an electronic transfer of funds from the lender to the eligible institution