; or (ee) for the purpose of section 455(m)(9)(A)(ii), 493C(f)(2)(G), or 493E(c). . 4105. Default reduction program Section 428F(a)(1)(C) of the Higher Education Act of 1965 ( 20 U.S.C. 1078–6(a)(1)(C) ) is amended by striking to remove the record of the default from the borrower's credit history and inserting to remove any adverse item of information relating to such loan from the borrower’s credit history . 4106. Termination of interest capitalization for unsubsidized loans after certain periods Section 428H(e)(2)(A)(ii)(III) of the Higher Education Act of 1965 ( 20 U.S.C. 1078–8(e)(2)(A)(ii)(III) ) is amended by inserting before the semicolon the following: , except that with respect to a deferment during any period described in clause (i)(II), (ii), (iii), or (iv) of section 427(a)(2)(C) or clause (i)(II), (ii), (iii), (iv), or (v) of section 428(b)(1)(M), or any period of forbearance, beginning on or after the date of enactment of the College Affordability Act on a loan made, insured, or guaranteed under this section or on a Federal Direct Unsubsidized Stafford Loan, interest shall not be added to the principal amount of the loan at the expiration of such deferment or forbearance period . 4107. Disbursement of student loans Section 428G of the Higher Education Act of 1965 ( 20 U.S.C. 1078–7(a) ) is amended— (1) in subsection (a) by adding at the end the following: (5) Adjusted cohort default rate Beginning on the date on which the final adjusted cohort default rates are published by the Secretary for not less than 3 fiscal years under section 435(m), an institution whose adjusted cohort default rate (as determined under section 435(m)) for each of the 3 most recent fiscal years for which data are available is less than 5 percent may disburse any loan made, insured, or guaranteed under this part in a single installment for any period of enrollment that is not more than 1 semester, 1 trimester, 1 quarter, or 4 months.