501(a), or (D) any loan made by an educational organization described in section 170(b)(1)(A)(ii) or by an organization exempt from tax under section 501(a) to refinance a loan to an individual to assist the individual in attending any such educational organization but only if the refinancing loan is pursuant to a program of the refinancing organization which is designed as described in subparagraph (C)(ii). , (2) by striking paragraphs (2) and (5), (3) by redesignating paragraphs (3) and (4) as paragraphs (2) and (3), respectively, and (4) in paragraph (2), as so redesignated, by— (A) striking made by an organization described in paragraph (2)(D) and inserting made by an organization described in paragraph (1)(C) or made by a private education lender (as defined in section 140(a)(7) of the Truth in Lending Act) , and (B) inserting or for such private education lender after either such organization . (b) Effective Date The amendments made by this section shall apply to discharges of loans after January 31, 2022.