; and (C) made, insured, or guaranteed under— (i) part B, part D, or part E of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1070 et seq. ), including a consolidation loan; or (ii) part E of title VIII of the Public Health Service Act. (2) Fees The term fees means any amounts owed by a borrower, other than principal and interest, on an eligible Federal student loan, including the amounts of any outstanding administrative fees, late charges, and collection costs. (3) Graduate education The term graduate education means a postbaccalaureate program of study that leads to a graduate degree, including a master's or doctoral degree. (4) Institution of higher education The term institution of higher education has the meaning given that term in section 102 of the Higher Education Act of 1965 ( 20 U.S.C. 1002 ). (5) Undergraduate education The term undergraduate education means a postsecondary program of study at an institution of higher education that leads to a certificate, associate degree, or baccalaureate degree.