; minus (II) the aggregate amount of grants and scholarships described in clause (ii) that may be used to cover such direct costs. (iv) Financing options (I) In general In plain language and based on consumer testing under paragraph (4), the offer shall include the following financing options (in the following order) to cover the total out-of-pocket costs determined under clause (iii): (aa) Cash or other personal resources, including the expected family contribution of the student. (bb) Loans made to the student under part D (excluding Federal Direct PLUS Loans), which shall— (AA) clearly label whether the loan is subsidized or unsubsidized