; (C) include the required content described in paragraph (3); (D) establish standardized terms and definitions, including for the required content described in paragraph (3), which shall be included in each financial aid offer; and (E) establish formatting requirements with respect to the organization of the contents described in paragraph (3), which— (i) shall include— (I) a requirement that prohibits any such offer from displaying loans in a manner that indicates or implies that such loans reduce the amount owed to the institution or reduce the out-of-pocket costs; and (II) requirements that ensure that before completing the component of an offer relating to indirect costs, a student completes the component of an offer relating to direct costs and confirms that such student is seeking financial assistance for indirect costs