; and (ii) return to the borrower an amount equal to the total amount of payments made on the loan by the borrower. (B) Other claims If the Secretary determines that a borrower is entitled to relief based on a claim other than substantial misrepresentation, there shall be a presumption that the Secretary will cancel or repay the full balance of principal and interest due on the loan and return the full amount of payments made by the borrower as described in subparagraph (A). If the Secretary determines that full cancellation or repayment of the debt and return of all funds paid on the loan is not appropriate in a particular case, the Secretary shall provide the borrower with a written explanation as to why partial cancellation or repayment, or the partial return of funds is appropriate. (g) Appeals Upon a determination by the Secretary to deny a borrower defense claim under this section, the borrower may file an appeal with the Department. The Secretary shall develop and implement a standardized process for the treatment of appeals under this subsection. (h) Refiling of claims A borrower whose claim was denied under this section may refile the claim for good cause, which may include— (1) the availability of substantial evidence that was not available to the Secretary at the time the initial claim was denied; (2) the emergence of facts or circumstances that may have substantially altered the Secretary’s original treatment of the initial claim