; (B) an electric or energy cooperative; (C) a public power district; and (D) a group of one or more public utilities or electric or energy cooperatives (commonly referred to as a joint action agency , generation and transmission cooperative , municipal power association , or State cooperative association ). (10) Qualified consumer The term qualified consumer means a consumer served by or in the service area or jurisdiction, as applicable, of an eligible entity that has the ability to repay a loan made under subsection (f), as determined by the eligible entity. (11) Secretary The term Secretary means the Secretary of Energy. (12) State The term State means— (A) a State; (B) the District of Columbia; (C) the Commonwealth of Puerto Rico; and (D) any other territory or possession of the United States. (c) Establishment Not later than 120 days after the date of enactment of this section, the Secretary shall establish a program under which the Secretary shall provide grants to States and Indian tribes to provide loans to eligible entities in accordance with this section. (d) Grant fund allocation (1) In general Of the amount appropriated under subsection (k) for each fiscal year, the Secretary shall allocate as grant funds— (A) 98 percent to be provided to States in accordance with paragraph (2); and (B) 2 percent to be provided to Indian tribes in accordance with paragraph (3). (2) Allocation to States Of the amount allocated for all States under paragraph (1)(A), the Secretary shall— (A) allocate not less than 1 percent to each State described in subparagraphs (A) through (C) of subsection (b)(12); (B) allocate not less than 0.5 percent to each State described in subparagraph (D) of that subsection