; (ii) sponsoring entities of recertification requirements under this subsection; and (iii) borrowers (including prospective borrowers) of eligible loans of the program under this subsection, including the benefits of such program and how to meet the requirements to participate in such program. (6) Definitions In this subsection: (A) Eligible loan The term eligible loan means a Federal Direct Stafford Loan, Federal Direct PLUS Loan, or Federal Direct Unsubsidized Stafford Loan, a Federal Direct Consolidation Loan, Federal Family Education Loan, Federal Perkins Loan, or a private education loan. (B) Private education loan The term private education loan has the meaning given the term in section 140 of the Truth in Lending Act ( 15 U.S.C. 1650 ). (C) Qualifying area The term qualifying area means— (i) any city or town which has a population of less than 20,000 inhabitants other than a city or town in a densely settled area or adjacent to, or closely associated with, one or more cities or towns which, considered collectively, do not meet the criteria of this subparagraph; (ii) any city or town which has a population of greater than or equal to 20,000 inhabitants and less than 100,000 inhabitants that with respect to which, during the most recent 10-year period, the net population loss from the area equals or exceeds 0 percent of the population of the area other than a city or town in a densely settled area or adjacent to, or closely associated with, one or more cities or towns which, considered collectively, do not meet the criteria of this subparagraph; (iii) any city or town which has a population of greater than or equal to 100,000 inhabitants and less than 150,000 inhabitants that— (I) with respect to which, during the most recent 10-year period, the net population loss from the area equals or exceeds 0 percent of the population of the area; (II) the Secretary of Education, in consultation with the Secretary of Commerce, determines would economically benefit from serving as a qualifying geographic area