; or (C) was employed in an essential employment area (as published in the list required under section 101(b)(1)) but was unable to complete 480 hours of work in a 120-day consecutive period due perishing from COVID–19 or a suspected case of COVID–19. (4) Private education loan The term private education loan has the meaning given the term in section 140 of the Truth in Lending Act ( 15 U.S.C. 1650 ). (5) Qualified borrower The term qualified borrower means— (A) a borrower of a covered loan or a private education loan; and (B) who is an essential worker. (6) Secretaries concerned The term Secretaries concerned means— (A) the Secretary of Education, with respect to covered loans and borrowers of such covered loans