; (D) any legislative recommendations that the Secretary determines are necessary to better assist students and families regarding the activities described in subsection (a)(1); and (E) the institutions of higher education and loan servicers with the highest volume of complaints and reports, as determined by the Secretary. . 205. Borrower defense to repayment Section 455(h) ( 20 U.S.C. 1087e ) is amended to read as follows: (h) Borrower defenses (1) Application (A) In General A borrower of a loan under this part or part B may submit an application to the Secretary claiming a defense to repayment of the loan (as described in paragraph (7)) (referred to in this subsection as a borrower defense ), at any time and regardless of the current payment status of the loan. The application shall— (i) certify that the borrower received the proceeds of a loan or loans issued under this part or part B to attend an eligible institution of higher education; (ii) provide evidence that supports the borrower defense; (iii) indicate whether the borrower has made a claim with respect to the information underlying the borrower defense with any third party, such as the holder of a performance bond or a tuition recovery program, and, if so, the amount of any payment received by the borrower or credited to the borrower’s loan obligation; and (iv) provide any other information or supporting documentation reasonably requested by the Secretary. (B) Borrower defense for a group (i) In general (I) Group defense The Secretary may initiate and carry out a process to determine whether a group of borrowers, identified by the Secretary, has a borrower defense. (II) Identification of group The Secretary may— (aa) identify members of such a group from individually filed applications submitted under subparagraph (A)