; or (B) if the borrower withdraws from the program of study before the borrower completes the program, 6 months after the date the borrower withdraws. (8) The Secretary shall not repay or cancel any outstanding balance of principal or interest due on a Federal Direct simplification loan as part of a student loan forgiveness program, including such a program under section 455(m) and section 493C. (c) Authorization To limit loan amounts An institution of higher education that is required under State law to enroll all eligible applicants for an academic year may limit the amount of loans under this section that a student may borrow for such academic year to not more than the tuition and fees at such institution for such academic year. (d) Loan fee The Secretary shall not charge the borrower of a loan made under this part an origination fee. (e) Repayment A borrower of a loan made under this section may accelerate without penalty repayment of the whole or any part of the loan. . 102. Phasing out loan forgiveness The Higher Education Act of 1965 ( 20 U.S.C. 1001 et seq. ) is amended— (1) in section 455— (A) in subsection (d)(1), in the matter preceding subparagraph (A), by inserting (except a Federal Direct simplification loan) after borrower of a loan made under this part ; (B) in subsection (e), by adding at the end the following: (9) Federal Direct simplification loans Income contingent repayment shall not be available for a Federal Direct simplification loan.