; (B) is not subject to a judgment secured through litigation with respect to a loan under this title or to an order for wage garnishment under section 488A; and (C) at the time of application for a Refinancing Loan— (i) is in repayment status as determined under section 428(b)(7)(A); (ii) is in a grace period preceding repayment; or (iii) is a defaulted borrower who has made arrangements to repay the obligation on the defaulted loans satisfactory to the holders of the defaulted loans. (2) Termination An individual’s status as an eligible borrower under this section terminates upon receipt of a Refinancing Loan under this section, except that— (A) an individual who receives eligible loans after the date of receipt of the Refinancing loan may receive a subsequent Refinancing Loan; (B) eligible loans received prior to the date of a Refinancing Loan may be added during the 180-day period following the making of the Refinancing Loan; (C) eligible loans received following the making of the Refinancing Loan may be added during the 180-day period following the making of the Refinancing Loan; and (D) eligible loans received prior to the date of the first Refinancing Loan may be added to a subsequent Refinancing Loan. (3) Eligible lenders Entities eligible to make Refinancing Loans, and receive default insurance from the Secretary, shall be either— (A) State agencies described in subparagraphs (D) and (F) of section 435(d)(1); (B) other eligible lenders described in subparagraphs (A) and (J) of such section, which made or held loans prior to July 1, 2010