; (B) is certified as a program of study in the institution’s program participation agreement under section 487; and (C) is classified by a combination of— (i) a CIP code; and (ii) one credential level, determined by the credential awarded upon completion of the program. (28) Program length The term program length means the minimum amount of time in weeks, months, or years that is specified in the catalog, marketing materials, or other official publications of an institution of higher education for a full-time student to complete the requirements for a specific program of study and to obtain the degree or credential awarded by such program. (29) Time to credential The term time to credential means, with respect to a student, the actual amount of time in weeks, months, or years it takes the student to complete the requirements for a specific program of study and to obtain the degree or credential awarded by such program. (30) Value-added earnings (A) Calculation With respect to a student who received Federal financial aid under title IV and who completed a program of study offered by an institution of higher education, the term value-added earnings means— (i) the annual earnings of such student measured during the applicable earnings measurement period for such program (as determined under subparagraph (C)); minus (ii) in the case of a student who completed a program of study that awards— (I) an undergraduate credential, 150 percent of the poverty line applicable to a single individual as determined under section 673(2) of the Community Services Block Grant Act ( 42 U.S.C. 9902(2) ) for such year