; (bb) the minimum payment that must be made to avoid the loan being charged off or assigned to collection; and (cc) the consequences to the borrower of charge off or assignment to collections; (III) a statement that a Servicemember and Veterans Liaison designated under paragraph (16)(K) is available to answer inquiries about servicemember and veteran benefits related to postsecondary education loans, including the toll-free telephone number to contact the Liaison pursuant to paragraph (16)(K); and (IV) a statement that a repayment specialist office or unit designated under paragraph (16)(J) is available to answer inquiries related to alternative repayment options, including the toll-free telephone number to contact the specialist pursuant to paragraph (16)(J)(iii). (B) Modifications The disclosures described in subparagraph (A)(ii) may be modified subject to regulations promulgated by the Director, based on consumer testing and in accordance with paragraph (17)(A). (8) Actions when borrower is having difficulty making payment or is 60 days delinquent (A) In general Not more than 5 days after a borrower notifies a postsecondary educational lender or servicer that the borrower is having difficulty making payment or a borrower becomes 60 days delinquent on a postsecondary education loan, the repayment specialist office or unit designated under paragraph (16)(J) shall— (i) complete a full review of the borrower’s postsecondary education loan and make a reasonable effort to obtain the information necessary to determine— (I) if the borrower is eligible for an alternative repayment option, including Federal Direct Consolidation Loans under part D of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq.), as applicable; (II) if the borrower is eligible for servicemember or veteran benefits under the Servicemembers Civil Relief Act ( 50 U.S.C. App. 501 et seq.) or other Federal or State law related to postsecondary education loans