; and (ii) outstanding eligible private student loan balance of the borrower during the covered period, the Secretary of the Treasury shall reimburse the borrower, through direct payment to the borrower, in an amount equal to the total amount of such monthly payments made by the borrower on or after January 31, 2020, and before the first date on which any portion of a borrower’s loans are forgiven in accordance with subparagraph (A) . (3) Authority of the Secretaries concerned The Secretary of Education shall have the authority to carry out the loan forgiveness program authorized under this section only with respect to eligible Federal student loans, and the Secretary of the Treasury shall have the authority to carry out such loan forgiveness program only with respect to eligible private student loans. (b) Qualified loan amount (1) Total amount The Secretaries concerned shall forgive for each borrower who is a frontline health care worker an amount equal to the sum of the monthly loan payments that are due, suspended, or paid on each eligible Federal student loan and each eligible private student loan of the borrower during the covered period. Each monthly loan payment that is included in the qualified loan amount of such a borrower shall be paid, pursuant to paragraph (2) , in accordance with either subparagraph (A) or subparagraph (B) of subsection (a)(2), but not both. (2) Methods of forgiveness of qualified loan amount The Secretaries concerned shall determine the method of forgiveness for each monthly loan payment included in a qualified loan amount as follows: (A) The Secretaries concerned shall provide forgiveness in accordance with subparagraph (A) of subsection (a)(2) for— (i) each monthly loan payment during the covered period that is due on or after the date that is 90 days after the date of enactment of this Act; (ii) each monthly loan payment during the covered period that is due before the date that is 90 days after the date of enactment of this Act and has not been paid before such date