; and (II) the median loan debt at graduation calculated under clause (iii) and the median payment for various example salaries under the Income Contingent Repayment plan known as Revised Pay As You Earn; and (v) the estimated institutional charges that the student, or the student’s family on behalf of the student, will have to pay directly to the institution for the student to attend the institution for the academic period described in subparagraph (A)(ii), equal to— (I) the total direct costs described in subparagraph (A)(i)(I) for the student for the period indicated in subparagraph (A)(ii); minus (II) the amount of grant aid described in subparagraph (B) that is included on the financial aid offer. (3) Other required contents for the financial aid offer The standard financial aid offer developed under paragraph (1) shall include, in addition to the information described in paragraph (2), the following information in a concise format located after the requirements of paragraph (2), where the format shall be designed by the Secretary of Education in consultation with the heads of relevant Federal agencies: (A) Information at the institution's discretion At the institution’s discretion— (i) additional options and potential resources for paying for the amount listed in paragraph (2)(C), such as tuition payment plans; (ii) for an undergraduate student, a disclosure that Federal Direct Parent PLUS Loans borrowed on behalf of the student or private education loans may be available to cover unmet financial need, except that the institution must include a disclosure that such loans are subject to an additional application process, have to be repaid by the borrower or the borrower’s parents, as applicable, include the applicable interest rate in the case of Federal Direct PLUS Loans, and that such loans may not be eligible for all the benefits available for Federal Direct Subsidized Loans or Federal Direct Unsubsidized Loans