; and (bb) are not described in subclauses (II) through (V). (VII) Of such students, the percentage who— (aa) have been making regular payments on such loans, and for whom— (AA) on any day before the end of such second succeeding fiscal year, the sum of the outstanding balance due on such loans, is less than (BB) the sum of the outstanding balance due on such loans on the date that is one year preceding the day referred to in subitem (AA); and (bb) are not described in subclauses (II) through (V). (VIII) Of such students, the percentage who, before the end of such second succeeding fiscal year— (aa) are making regular payments on such loans, and for whom— (AA) the sum of the outstanding balance due on such loans, is less than (BB) the sum of the original balance due on such loans