of the Higher Education Act of 1965 ( 20 U.S.C. 1078–8(d)(5) ) is amended by inserting before the date of enactment of the Student Loan Refinancing and Recalculation Act after Interest capitalized . (d) Unsubsidized Stafford loans for middle income borrowers Section 428H(e)(2) of the Higher Education Act of 1965 ( 20 U.S.C. 1078–8(e)(2) ) is amended— (1) in the header, by striking Capitalization and inserting No capitalization