; (V) in mandatory forbearance on repayment of a loan described in subparagraph (A) for the full fiscal year; or (VI) serving as a volunteer under the Peace Corps Act ( 22 U.S.C. 2501 et seq.) or the Domestic Volunteer Service Act of 1973 ( 42 U.S.C. 4950 et seq.), during the 3 consecutive fiscal years described in clause (i). (C) Determination of payment (i) In general The risk-sharing payment of an institution for a fiscal year equals 5 percent of the amount determined under clause (ii). (ii) Amount based on cohort nonrepayment loan balance and unemployment rate (I) In general The amount under this clause is determined by subtracting the amount determined under subclause (II) from the cohort nonrepayment loan balance determined under subparagraph (B). (II) Amount based on unemployment rate The amount under this subclause is determined by multiplying the average national unemployment rate, as defined by the Bureau of Labor Statistics, for the 3 previous fiscal years from the date of the determination by the cohort loan balance determined under subparagraph (A). (3) Notification Beginning with the first fiscal year for which data are available after the date of enactment of the Student Protection and Success Act and each succeeding fiscal year until fiscal year 2022, the Secretary shall notify each institution of higher education participating in the direct student loan program under this part of what the risk-sharing payment based on the cohort nonrepayment loan balance of the institution, as determined under paragraph (2), would be for such institution if such provision were in effect. . 5. Report Not later than 6 months after the date of enactment of the Student Protection and Success Act , the Secretary of Education shall submit to Congress a report— (1) on best practices for institutions of higher education to improve repayment rates