; and (IV) if the borrower’s loan is in default— (aa) suspend collection activity on the loan, including any garnishments or offsets, until a decision on the borrower’s claim is issued; (bb) notify the borrower of the suspension of collection activity; (cc) notify the borrower that if the Secretary determines the borrower does not qualify for a discharge of the loan, collection activity will resume unless the borrower chooses to make payments under any repayment plan, including income-based repayment described under section 493C; and (dd) notify the borrower that if the Secretary determines the borrower does not qualify for a discharge of the loan, and if the borrower makes payments under any repayment plan, including an income-based repayment, as described in item (cc), the Secretary shall submit a report to the consumer reporting agencies to which the Secretary previously made adverse credit reports with regard to the borrower’s loan under this part or part B to remove the borrower's record of default and the Secretary shall refund any collection costs paid by the borrower subsequent to the borrower submitting an application under paragraph (1), but prior to the suspension of the collection activity, as described in item (aa). (ii) With regard to the fact-finding process, the Secretary shall designate a Department official (which shall not be an official designated under paragraph (1)(B)(i)(III) and shall be a staff member in the enforcement unit, in accordance with section 141(g)) to— (I) notify the institution of higher education of the borrower defense application or the initiation of the borrower defense claim; (II) determine whether the borrower has established a borrower defense, which shall include— (aa) consideration of evidence or argument presented by the borrower; and (bb) consideration of additional information, including— (AA) Department records; (BB) any response or submission from the institution; and (CC) any additional information