; (B) prior to the institution certifying a Federal Direct Loan (other than a Federal Direct Consolidation Loan), including a Federal Direct PLUS Loan made on behalf of a student, for disbursement to a borrower; and (C) in the case of a student borrower, after ensuring that the student has completed all of the counseling requirements under subsection (l). . 4. Work study Section 485 of the Higher Education Act of 1965 ( 20 U.S.C. 1092 ), as amended by sections 2 and 3, is further amended by adding at the end the following: (n) Work study If an institution provides a student or a prospective student with a financial aid award notification that includes work study, the institution shall ensure that the notification includes an explanation that any work study funds are not directly awarded to the student or institution, and such amounts must be earned through the student's completion of work over time. .