As a last resort to sustain the IQA if the U.S. Government fails to provide the IQA’s budget and access to loans is unavailable, the IQA may use unconditional U.S. philanthropic funds, State funds, and/or unconditional U.S. Citizens’ private donations that do not to exceed one percent of the maximum annual Social Security payment. The IQA shall not use these funds to accommodate expenditures in excess of its budget. To the maximum and quickest degree possible, any use of philanthropic funds shall be repaid as loans at an interest rate of prime plus one percent.