; and (ii) the health and safety of the occupants of the property on which the energy efficiency measures are to be installed. (B) Field or online assessment An energy assessment or audit under subparagraph (A) may be conducted in the field or online, as determined by the State or Indian tribe that has issued a loan to the eligible entity under subsection (e). (4) Interest A loan described in paragraph (1)(A) may bear interest, not to exceed 5 percent, which may be used— (A) to establish a loan loss reserve for the eligible entity; (B) to offset the personnel and program costs of the eligible entity in providing the loan; and (C) for any other related purpose, as determined by the eligible entity, in consultation with the State or Indian tribe that has issued a loan to the eligible entity under subsection (e). (5) Outside contracts An eligible entity may enter into one or more contracts with one or more qualified entities, as determined by the State or Indian tribe that has issued a loan to the eligible entity under subsection (e)— (A) to assist the eligible entity in administering the loans described in paragraph (1)(A); and (B) to carry out any of the requirements of the eligible entity described in subsection (e)(4)(A). (g) Direct loans from States and Indian tribes A State or Indian tribe may act as an eligible entity under subsection (f) to provide loans directly to qualified consumers— (1) in accordance with that subsection; and (2) if the State or Indian tribe satisfies the requirements under subsection (e)(4), as determined by the Secretary. (h) Program administration (1) Plan Not later than 120 days after the date of enactment of this section, the Secretary shall establish and begin carrying out a plan— (A) to measure and verify the success of the program in implementing energy efficiency measures; (B) provide training to the employees of eligible entities relating to carrying out the requirements of eligible entities under this section