; extension of period (A) Duration The Qualified ISA specifies the maximum period of time during which the individual will be obligated to make a specified number of monthly payments of a percentage of the individual’s future income (excluding periods when just a nominal payment (as described under paragraph (8)) is required), which may not (except as provided in subparagraph (B)) exceed 360 months. (B) Extension of period The Qualified ISA may provide for the extension of such period by the number of months during which the individual’s percentage of income obligation (excluding nominal payments and fees) was zero. (5) Early termination The Qualified ISA specifies the terms and conditions under which the individual subject to the agreement may terminate the agreement. (6) Appropriate risk sharing The payments required under the Qualified ISA for an individual with income during the payment term that is less than or equal to 225 percent of the poverty line for a single person (as defined in section 673 of the Community Services Block Grant Act ( 42 U.S.C. 9902 )) shall not exceed the payments on a comparable loan that bears interest at a rate less than or equal to the annual percentage rate of interest limitation under section 987(b) of title 10, United States Code. (7) Aggregate limitation on obligation The Qualified ISA provides that the total percentage of future income of the individual that the individual agrees to pay, under the current Qualified ISA and any other Qualified ISAs previously entered into by the individual, shall not exceed 20 percent. (8) Nominal payments The Qualified ISA specifies any nominal monthly payment that is required during periods when the individual subject to the Qualified ISA has no percentage of income obligation, except that— (A) such nominal monthly payment shall not exceed twenty-five dollars per month (adjusted each year to reflect changes in the Consumer Price Index for All Urban Consumers published by the Bureau of Labor Statistics of the Department of Labor for the most