According to legislation, a qualified loan is any loan made, insured, or guaranteedpursuant to Title IV of the Higher Education Act of 1965 (20 U.S.C. 1070 et seq.),other than a loan made to a parent of a student pursuant to section 428B of the Act,and any loan made pursuant to Title VII or VIII of the Public Service Act (42 U.S.C.292a et seq.); any loan determined by an institution of higher education to be necessaryto cover a student's cost of attendance at such institution and made directly toa student by a State agency.