; (B) youth who are unaccompanied, at risk of homelessness, and self-supporting; and (C) foster care youth; (4) have developed a plan for how such homeless individuals, youth who are unaccompanied, at risk of homelessness, and self-supporting, and foster care youth can access housing resources during and between academic terms, through means that may include access to institutionally owned or operated housing during breaks and a list of housing resources in the community that provide short-term housing; and (5) include, in its application for admission, questions (to be answered voluntarily) regarding the applicant’s status as a homeless individual or foster care youth, that— (A) can be answered by the applicant voluntarily for the limited purpose of being provided information about financial aid or any other available assistance; (B) explain the key terms in the question in a manner children and youth can understand in order to self-identify and declare eligibility as a homeless individual or foster care youth; and (C) with consent of the applicant, may be shared with the liaison after admission but prior to the beginning of the next academic term. . (c) Annual financial aid counseling Section 485(l) of the Higher Education Act of 1965 ( 20 U.S.C. 1092(l) ) is amended to read as follows: (l) Annual financial aid counseling (1) Annual disclosure required (A) In general Each eligible institution shall ensure that each individual who receives a loan made under part D (other than a Federal Direct Consolidation Loan or a loan made under section 460A and 460B) receives comprehensive information on the terms and conditions of such loan and the responsibilities the individual has with respect to such loan. Such information shall be provided, for each award year for which the individual receives such loan, in a simple and understandable manner— (i) during a counseling session conducted in person; (ii) online, with the individual acknowledging receipt of the information