; or (ii) if the useful life of the project (as determined by the Secretary) is less than 35 years, the useful life the project. (F) Nonsubordination A secured loan under this section shall not be subordinated to the claims of any holder of project obligations in the event of bankruptcy, insolvency, or liquidation of the entity carrying out the project. (G) Financing fees On request of an entity, any fees to be paid by the entity under this section shall be financed as part of the loan. (3) Repayment (A) Schedule The Secretary shall establish a repayment schedule for each secured loan provided under this section, based on the projected cash flow from project revenues and other repayment sources. (B) Commencement Scheduled loan repayments of principal or interest on a secured loan under this section shall commence not later than 5 years after the date of substantial completion of the project (as determined by the Secretary). (C) Deferred payments (i) Authorization If, at any time after the date of substantial completion of a project for which a secured loan is provided under this section, the project is unable to generate sufficient revenues to pay the scheduled loan repayments of principal and interest on the secured loan, the Secretary subject to clause (iii), may allow the entity to add unpaid principal and interest to the outstanding balance of the secured loan. (ii) Interest Any payment deferred under clause (i) shall— (I) continue to accrue interest in accordance with paragraph (2)(D) until fully repaid