; and (iv) an explanation that the borrower may be approached during the repayment process by third-party student debt relief companies, that they should use caution in any such dealings, and that the typical services provided by these companies are already offered to borrowers free of charge through servicers; ; (D) in clause (v), as so redesignated— (i) by striking sample information showing the average and inserting information, based on the borrower’s outstanding balance described in clause (i), showing the borrower’s ; and (ii) by striking of each plan and inserting of at least the standard repayment plan and the income-driven repayment plans the borrower is eligible for ; (E) in clause (x), as so redesignated— (i) by inserting decreased credit score, after credit reports, ; and (ii) by inserting reduced ability to rent or purchase a home or car, potential difficulty in securing employment, after Federal law, ; (F) in clause (xi), as so redesignated, by striking consolidation loan under section 428C or a ; (G) in clauses (xii) and (xiii), as so redesignated, by striking and at the end; and (H) by adding at the end the following: (xiv) for each of the borrower’s loans made under part B, D, or E for which the borrower is receiving counseling under this subsection, the contact information for the loan servicer of the loan and a link to such servicer’s Website; and (xv) an explanation that an individual has a right to annually request a disclosure of information collected by a consumer reporting agency pursuant to section 612(a) of the Fair Credit Reporting Act ( 15 U.S.C. 1681j(a) ). ; (2) in paragraph (1)(B)— (A) by inserting online or before in writing ; and (B) by adding before the period at the end the following: , except that in the case of an institution using the online counseling tool described in subsection (n)(1)(A), the Secretary shall attempt to provide such information to the student in the manner described in subsection (n)(3)(C)