; 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 redesignated by subparagraph (B), by striking consolidation loan under section 428C or a ; (G) in clauses (xi) and (xii), as redesignated by subparagraph (B), by striking and after the semicolon; 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 ; 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) ; and (3) in paragraph (2)(C), by inserting , such as the online counseling tool described in subsection (n)(1)(A), after electronic means . 4. Online counseling tools Section 485 of the Higher Education Act of 1965 ( 20 U.S.C. 1092 ) is amended by adding at the end the following: (n) Online counseling tools (1) In general Beginning not later than 1 year after the date of enactment of the Empowering Students Through Enhanced Financial Counseling Act , the Secretary shall maintain— (A) an online counseling tool that provides the exit counseling required under subsection (b) and meets the applicable requirements of this subsection