; (2) the Secretary of Agriculture; (3) the Secretary of Veteran Affairs; (4) the Secretary of Education; and (5) the Secretary of the Treasury. (c) Eligible applicants To be eligible for the program established pursuant to subsection (a), an applicant— (1) shall have an outstanding balance of principal or interest owing on a Federal loan made, insured, or guaranteed under title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1070 et seq.); (2) may not be subject to a judgment secured through litigation with respect to such a loan under title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1070 et seq.), may not be subject to an order for wage garnishment under section 488A of such Act ( 20 U.S.C. 1095a ), and at the time of application for participation in the program under this section— (A) such a loan shall be in repayment status as determined under section 428(b)(7)(A) of such Act ( 20 U.S.C. 1078(b)(7)(A) ); or (B) such a loan shall be in a grace period preceding repayment; (3) may not have owned a home during the 3-year period immediately before the applicant purchases an eligible property with assistance provided under this section; (4) shall complete a program of counseling with respect to the responsibilities and financial management involved in homeownership that is approved by the Secretary; (5) shall be creditworthy, as determined by the Secretary and the Director; (6) shall agree to use an eligible property purchased with assistance provided under this section as the applicant’s primary residence for not less than the 3-year period beginning on the date of such purchase