; (B) to request a waiver of such indebtedness under section 5302 of this title; and (C) in the case of a payment under chapter 11 or 15 of this title, to request the Secretary make a determination under subsection (a)(3)(B); ; and (D) in paragraph (2), by inserting the Secretary before has made ; and (E) by amending paragraph (3) to read as follows: (3) the day that is 90 calendar days after the day the Secretary sends notice to the person of the indebtedness and of the proposed deduction. . (3) In subsection (c), by inserting Inapplicability of statutes of limitations to administrative actions.— before Notwithstanding . (4) In subsection (d)— (A) by inserting Regulations .— (1) before The Secretary ; and (B) by adding at the end the following new paragraph: (2) The regulations under paragraph (1) shall include administrative processes by which a person described in paragraph (1) of subsection (a) may— (A) dispute the existence or amount of indebtedness described in that paragraph; and (B) request that the Secretary make a determination under paragraph (3)(B) of such subsection. (3) The regulations under paragraph (1) shall direct the Secretary to ensure that each dispute under paragraph (2)(A) is adjudicated not later than 120 days after the initiation of such dispute. (4) The regulations under paragraph (1) may not permit the Secretary to submit to any debt collector (as defined in section 803 of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692a )) any debt in dispute under paragraph (2)(A). (5) Nothing in this subsection shall be construed to prohibit a person from seeking relief from a court of competent jurisdiction. . (b) Limitations on interest and fees charged during period of dispute Section 5315 of such title is amended— (1) in subsection (b)(1), in the first sentence by striking or (B) and inserting (B) for any period during which the existence or amount of the indebtedness is being disputed under regulations prescribed pursuant to section 5314(d) of this title, or (C)