A physician. (d) Termination The Commission shall terminate on the date the list required under subsection (b)(1) is published. II Borrower Relief 201. Student loan relief as a result of essential work during the COVID–19 crisis period (a) In general Not later than 1 year after the date the list required under section 101(b)(1) is published, the Secretaries concerned shall jointly carry out a program under which a qualified borrower, with respect to the covered loans and private education of loans of such qualified borrower, shall be eligible to receive in accordance with subsection (b) an amount equal to the lesser of the following: (1) The total amount of each covered loan and each private education loan of the borrower and the total amount of each covered loan of the spouse or children of the essential worker. (2) $25,000. (b) Election by borrower A qualified borrower may elect to apply the amount determined with respect to such borrower under subsection (a) to— (1) any covered loan of the borrower