; (II) the Secretary of Education, in consultation with the Secretary of Commerce, determines would economically benefit from serving as a qualifying geographic area; and (III) is not 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; or (iv) any city or town not described in clauses (i) through (iii) which has a population of less than 300,000 inhabitants— (I) that is included in a major disaster declared by the President under section 401 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5170 ) (not including the major disaster declared by reason of the novel coronavirus (COVID–19)) during the five-year period preceding the date on which a borrower is enrolled in the program under this subsection; (II) that— (aa) the Secretary of Education, in consultation with the Secretary of Commerce, determines would economically benefit from serving as a qualifying geographic area; or (bb) the Secretary of Education, in consultation with the Secretary of Commerce and the Secretary of Housing and Urban Development, determines would support community recovery by serving as a qualifying geographic area; and (III) is not adjacent to, or closely associated with, one or more cities or towns which, considered collectively, do not meet the criteria of this subparagraph. (D) Fair Debt Collection Practices Act terms The terms creditor and debt collector have the meaning given those terms, respectively, under section 803 of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692a ). .