; or (II) a continuing or transfer student with not more than 15 credits and a minimum grade point average of 2.0 (or its equivalent); and (iv) is considered by the eligible institution to need no more than two remedial courses; (B) if the student is eligible for financial aid under title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1070 et seq.), has completed the Free Application for Federal Student Aid or other common financial reporting form under section 483(a) of such Act ( 20 U.S.C. 1090(a) ); and (C) meets any other requirements established by the institution. (4) Full-time academic workload The term full-time academic workload , when used with respect to an semester or equivalent term, means at least 12 credits (or the equivalent). (5) Institution of higher education The term institution of higher education has the meaning given the term under section 101 of the Higher Education Act of 1965 ( 20 U.S.C. 1001 ). (6) Secretary The term Secretary means the Secretary of Education. (7) Transfer rate The term transfer rate , when used with respect to students enrolled in a program of study at an eligible institution, means the rate at which such students transfer to a 4-year institution of higher education. 10. Authorization of appropriations There are authorized to be appropriated to carry out this Act $10,000,000,000 for fiscal years 2020 through 2030, to be available until expended.