; (2) the Secretary agrees that periodic installments of the principal of an eligible loan need not be paid, but interest shall accrue and be paid, during any period during which the borrower is employed as described in subsection (a); and (3) the Secretary, through the holder of the loan, will assume the obligation to repay the lesser of 100 percent or $200,000 of the total amount of principal and interest of an eligible loan, that are outstanding as of the day immediately preceding the first day of the first year of service (as described in subsection (a)), for an eligible individual, who— (A) has been employed as described in subsection (a) for 5 consecutive years; and (B) is not in default on a loan for which the individual seeks forgiveness. (c) Definitions In this section: (1) The term eligible individual means an individual who— (A) (i) has been accepted for enrollment, or be enrolled, as a student in a minority-serving institution eligible to receive funding under section 371 of the Higher Education Act of 1965 in a course of study or program leading to a mental or behavioral health professions degree or certificate; or (ii) is completing training hours under clinical supervision for purposes of obtaining such a degree or certificate; and (B) has accepted employment as described in subsection (a), to commence upon graduation. (2) The term eligible loan means— (A) any loan for education or training for mental and behavioral health care, including substance abuse prevention and treatment, employment; (B) any Federal Direct Stafford Loan, Federal Direct PLUS Loan, Federal Direct Unsubsidized Stafford Loan, or Federal Direct Consolidation Loan (as such terms are used in section 455 of the Higher Education Act of 1965); (C) any Federal Perkins Loan under part E of title I of the Higher Education Act of 1965; and (D) any other Federal loan as determined appropriate by the Secretary. .