; ; (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 standard repayment plan and the income-based repayment plan under section 466(d) ; (E) in clause (ix), as so redesignated— (i) by inserting decreased credit score, after credit reports, ; and (ii) by inserting potential 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 this title for which the borrower is receiving counseling under this subsection, the contact information for the servicer of the loan and a link to the Website of such servicer; 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 ; and (B) by adding before the period at the end the following: , except that in the case of an institution using the online counseling tool described in subsection (n)(1)(A), the Secretary shall attempt to provide such information to the student in the manner described in subsection (n)(3)(C)