; and (ii) by inserting , and before October 1, 2024 after October 1, 2008 . 452. Borrower defenses Section 455(h) ( 20 U.S.C. 1087e(h) ) is amended to read as follows: (h) Borrower Defenses (1) In general In any proceeding to collect on a loan made under this part to a borrower, the Secretary shall abide by the following: (A) In no event may the borrower recover any amount previously collected or be freed of amounts owed to the Secretary without submitting an individually-filed application for approval. (B) In no event may the borrower recover amounts previously collected by the Secretary, in any action arising from or relating to a loan made under this part, in an amount in excess of the amount that has been paid by the borrower on such loan. (C) In no event may the borrower recover amounts previously collected by the Secretary later than 3 years after the misconduct or breach of contract on behalf of the institution takes place that gives rise to the borrower to assert a defense to repayment of the loan. (D) In no event may anyone other than an administrative law judge or its equivalent preside over hearings of any kind related to applications submitted under this subsection. (E) In no event may the Secretary approve or disapprove the borrower’s application under this subsection without allowing for the equal consideration of evidence and arguments presented by a representative on behalf of the student or students and a representative on behalf of the institution, if either such party makes a request. (F) In no event may the Secretary withhold from an institution any materials, facts, or evidence used when processing an application submitted by the borrower. (G) In no event may the borrower of a loan made, insured or guaranteed under this title (other than a loan made under this part or a Federal ONE Loan) submit an application under this subsection without consolidating the loans of the borrower into a Federal ONE Consolidation Loan. (2) Borrower application requirements (A) In general An application