; or (II) the fixed amount applicable for the educational ISA at such income level, divided by such income level. (4) Protections during periods of low earnings (A) In general The educational ISA shall provide that when an ISA recipient has an income that is equal to or below the income threshold of the educational ISA, the ISA payment obligation is zero dollars. (B) Threshold amount The income threshold for an educational ISA shall be an amount such that the difference between the ISA recipient’s income for the payment period, minus the subtraction of any ISA obligation, is not less than 200 percent of the poverty line for a single person (as defined in section 673 of the Community Services Block Grant Act ( 42 U.S.C. 9902 )), prorated for the payment period. (5) Required payment relief pauses An educational ISA shall offer not less than 3 months of voluntary payment relief pauses (as long as the ISA recipient’s current income at the time of requesting the payment relief pause is equal to or less than 400 percent of the poverty line) for a single individual) for every 30 income-determined payments required under the educational ISA. (b) Ensuring appropriate risk sharing for educational ISAs The payments required under an educational ISA for an individual with income during the payment term that is less than or equal to 300 percent of the poverty line for a single individual, prorated for the payment period, shall not exceed the payments on a comparable loan that bears interest at a rate less than or equal to one-half of the annual percentage rate of interest limitation under section 987(b) of title 10, United States Code. (c) Limits on duration of educational ISA obligation (1) ISA maximum number of payments The ISA maximum number of payments shall not exceed 240 monthly payments. (2) ISA duration The ISA duration of an educational ISA shall not exceed 360 months (except in the case of an extension requested by the ISA recipient). (d) Non-Interference An educational ISA shall not be construed to give the