; or (B) if the borrower withdraws from the program of study before the borrower completes the program, 6 months after the date the borrower withdraws. (c) Authorization To limit loan amounts An institution of higher education that is required under State law to enroll all eligible applicants for an academic year may limit the amount of loans under this section that a student may borrow for such academic year to not more than the tuition and fees at such institution for such academic year. (d) Additional charges The Secretary may not charge the borrower of a loan made under this section any fee for administrative costs that is not described under this section. (e) Repayment A borrower of a loan made under this section may accelerate without penalty repayment of the whole or any part of the loan. . 302. Phasing out loan forgiveness The Higher Education Act of 1965 ( 20 U.S.C. 1001 et seq.) is amended— (1) in section 455— (A) in subsection (d), by adding at the end the following: (6) Elimination of loan forgiveness Notwithstanding any other provision of this Act, with respect to any loan made on or after 6 months after the date of enactment of the Higher Education Reform and Opportunity Act of 2017 , the Secretary may not repay or cancel any outstanding balance of principal and interest due on the loan for the borrower of the loan pursuant to this subsection. ; (B) in subsection (e), by adding at the end the following: (8) Elimination of loan forgiveness Notwithstanding any other provision of this Act, with respect to any loan made on or after 6 months after the date of enactment of the Higher Education Reform and Opportunity Act of 2017 , the Secretary may not repay or cancel any outstanding balance of principal and interest due on the loan for the borrower of the loan pursuant to this subsection.