; or (II) are required to be used for indirect costs, as described in subclause (II) of subparagraph (B)(ii). (iv) Out-of-pocket costs (relating to indirect costs) The out-of-pocket costs (relating to indirect costs) that the student, or the student’s family on behalf of the student, is estimated to have to pay for the student to attend the institution for such academic period, equal to— (I) the estimated sum of indirect costs determined under clause (ii); minus (II) the amount of grants and scholarships determined under clause (iii). (v) Total cost of attendance The total cost of attendance for the student, equal to the sum of— (I) the estimated sum of the student’s direct costs determined subparagraph (B)(i); and (II) the estimated sum of the student’s indirect costs determined under clause (ii). (vi) Total out-of-pocket costs The total out-of-pocket costs that the student, or the student’s family on behalf of the student, is estimated to have to pay for the student to attend the institution for such academic period, equal to the sum of— (I) the out-of-pocket costs (relating to direct costs) determined under subparagraph (B)(iii); and (II) the out-of-pocket costs (relating to indirect costs) determined under clause (iv). (vii) Financing options In plain language, the offer shall include— (I) each of the financing options listed under subparagraph (B)(iv)(I), which remain available after financing the direct costs determined under subparagraph (B)(i)