In this section the following words have the meanings indicated. “Debt” means any money, obligation, claim, or sum due or owed by a student to an institution of higher education. “Debt” includes: Credit extended by or on behalf of the institution that a student is obligated to repay; and A nonfederal loan or debt agreement that is issued expressly for postsecondary education expenses and that is guaranteed by: An institution of higher education; or A private educational lender that is affiliated with an institution of higher education. “Debt” does not include the fee, if any, charged to a student for the actual costs of providing a transcript. “Student” includes current students and former students of an institution of higher education. An institution of higher education may not: Refuse to provide a transcript to a student because the student owes a debt; Condition the issuance of a transcript on the payment of a debt; Charge a higher fee for obtaining a transcript because a student owes a debt; Provide less favorable treatment of a transcript request because a student owes a debt; or Use transcript issuance as a tool for debt collection.