; and (II) the name and toll-free or collect-call telephone number of an individual employed by, or the office or department of, the covered lender, servicer, or assignee who can provide assistance to the borrower. (C) Limited extension of response time (i) In general There may be 1 extension of the 30-day period described in subparagraph (B) of not more than 15 days if, before the end of such 30-day period, the covered lender, servicer, or assignee notifies the borrower of the extension and the reasons for the delay in responding. (ii) Reports to bureau Each covered lender, servicer, or assignee shall, on an annual basis, report to the Bureau the aggregate number of extensions sought by the such covered lender, servicer, or assignee under clause (i). (2) Protection against negative consequences During the 60-day period beginning on the date on which a covered lender, servicer, or assignee receives a qualified written request from a borrower relating to a dispute regarding payments by the borrower, a covered lender, servicer, or assignee may not impose any negative consequences on the borrower relating to the subject of the qualified written request or to such period including— (A) providing negative credit information to any consumer reporting agency (as defined in section 603 of the Fair Credit Reporting Act); (B) lost eligibility for a borrower benefit; (C) late fees; (D) interest capitalization; or (E) other financial injury. (j) Repayment specialists for at-Risk borrowers (1) At-risk borrowers A covered lender, servicer, or assignee shall designate an office or other unit to act as a repayment specialist regarding postsecondary education loans for— (A) any borrower who— (i) becomes 30 calendar days or more delinquent under the postsecondary education loan; or (ii) notifies the covered lender, servicer, or assignee that the borrower is having difficulty making payment