; (C) integrating available data on occupational earnings reasonably related to the student’s program of study; (D) using a hypothetical family size of 1; and (E) providing a borrower the option to adjust these data elements and observe the corresponding change in estimated monthly payment amounts. . 403. Exit counseling Section 485(b) ( 20 U.S.C. 1092(b) ) is amended— (1) in paragraph (1)— (A) in subparagraph (A)— (i) in the matter preceding clause (i), striking through financial aid offices or otherwise and inserting through the use of an interactive program, during an exit counseling session that is in-person or online, or through the use of the online counseling tool described in subsection (n)(1)(A) ; (ii) by redesignating clauses (i) through (ix) as clauses (v) through (xiii), respectively; (iii) by inserting before clause (v), as redesignated by clause (ii), the following: (i) a summary of the outstanding balance of principal and interest due on the loans made to the borrower under part B, D, or E; (ii) an explanation of the grace period preceding repayment and the expected date that the borrower will enter repayment; (iii) an explanation that the borrower has the option to pay any interest that has accrued while the borrower was in school or that may accrue during the grace period preceding repayment or during an authorized period of pause payment; (iv) an explanation that the borrower may be approached during the repayment process by third-party student debt relief companies, that the borrower should use caution in any such dealings, and that the typical services provided by these companies are already offered to borrowers free of charge through the Department or its contractors; ; (iv) in clause (v), as redesignated by clause (ii)— (I) by striking sample information showing the average and inserting information, based on the borrower’s outstanding balance described in clause (i), showing the borrower’s