; (B) has completed not less than four years of full-time employment as an attorney providing legal services at a humanitarian campus established under section 437(a); and (C) is not in default on a loan for which the borrower seeks forgiveness. (2) Method of loan forgiveness To provide loan forgiveness under paragraph (1) , the Secretary, in coordination with the Secretary of Education, is authorized to carry out a program— (A) through the holder of the loan, to assume the obligation to repay a qualified loan amount for a loan made, insured, or guaranteed under part B of the Higher Education Act of 1965 (other than an excepted PLUS loan or an excepted consolidation loan (as such terms are defined in section 493C(a) of such Act of 1965))