; (ii) the cost of attendance at the institution for the student as determined by the institution under part F of title IV of the Higher Education Act of 1965; and (iii) the difference between— (I) such cost of attendance; and (II) the total estimated amount of financial assistance for such student, including assistance received under title IV of the Higher Education Act of 1965. (D) Consummation of loan without certification If a private educational lender consummates a loan in violation of this subsection, such private education lender shall report the consummation of such loan in a manner determined by the Bureau. (E) Institution provision of certification If a private educational lender submits a request to an institution of higher education for a private loan certificate, such institution of higher education shall, not later than the end of the 15-day period beginning on the date such institution receives such request— (i) provide such certification; (ii) notify the private educational lender that the institution refuses to provide such certification; or (iii) notify the private educational lender that more time will be needed to comply with the request for the private loan certification. (F) Institution disclosures to borrower Before providing a private loan certification to a private educational lender, an institution of higher education shall provide to the borrower notice of— (i) the amount of any Federal student assistance under title IV of the Higher Education Act of 1965 for which the borrower is eligible; (ii) the advantages of Federal student assistance under title IV of the Higher Education Act of 1965, including disclosure of the fixed interest rates, deferments, flexible repayment options, loan forgiveness programs, and other protections; (iii) the right of the borrower to choose a private educational lender of their choice