; (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 deferment or forbearance, prior to the capitalization of the interest; ; (D) in clause (iv), as so redesignated— (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 ; and (ii) by striking of each plan and inserting of at least the fixed repayment plan described in section 493E, the income-based repayment plan under section 493C(f), and any other repayment plan for which each loan may be eligible ; (E) in clause (ix), as so redesignated— (i) by inserting decreased credit score, after credit reports, ; and (ii) by inserting reduced ability to rent or purchase a home or car, potential difficulty in securing employment, after Federal law, ; (F) in clause (x), as so redesignated, by striking consolidation loan under section 428C or a ; (G) in clauses (xi) and (xii), as so redesignated, by striking and at the end; and (H) by adding at the end the following: (xiii) for each of the borrower’s loans made under part B, D, or E for which the borrower is receiving counseling under this subsection, the contact information for the loan servicer of the loan and a link to such servicer’s website; and (xiv) an explanation that an individual has a right to annually request a disclosure of information collected by a consumer reporting agency pursuant to section 612(a) of the Fair Credit Reporting Act ( 15 U.S.C. 1681j(a) ). ; (2) in paragraph (1)(B)— (A) by inserting online or before in writing