; (B) allocate not less than 0.5 percent to each State described in subparagraph (D) of that subsection; and (C) of the amount remaining after the allocations under subparagraphs (A) and (B), allocate funds to States based on the population of each State as determined in the latest available decennial census conducted under section 141(a) of title 13, United States Code. (3) Allocation to Indian tribes Of the amount allocated for Indian tribes under paragraph (1)(B), the Secretary shall allocate funds to each Indian tribe participating in the program during that fiscal year based on a formula established by the Secretary that takes into account any factor that the Secretary determines to be appropriate. (4) Publication of allocation formulas Not later than 90 days before the beginning of each fiscal year for which grants are provided to States and Indian tribes under this section, the Secretary shall publish in the Federal Register the formulas for allocation established under this subsection. (5) Administrative costs Of the amount allocated to a State or Indian tribe under this subsection, not more than 15 percent shall be used by the State or Indian tribe for the administrative costs of administering loans. (e) Loans by States and Indian tribes to eligible entities (1) In general Under the program, a State or Indian tribe shall make loans to eligible entities to make loans to qualified consumers— (A) to implement cost-effective energy efficiency measures