; and (3) clearly notify borrowers that to be considered for loan forgiveness under this Act, borrowers must submit an application to the Secretaries concerned, and must do so during the application period described in section 5 . (b) Notice in Federal loans statements With each billing statement sent to a borrower during the two-year period beginning on the 15th day after the date of enactment of this Act, the Secretary of Education shall include, and shall require each holder of eligible Federal student loans to include, a notice informing the borrower of the availability of the student loan forgiveness program for frontline health care workers under this Act, including where to find information about how to qualify as a frontline health care worker, how to apply to such program, the types of Federal and private loans that are eligible for forgiveness, and the application deadline for such program. (c) Notice in private loans statements Section 128(e) of the Truth in Lending Act ( 15 U.S.C. 1638(e) ) is amended by adding at the end the following new paragraph: (12) Notice required along with billing statements With each billing statement sent to the borrower during the two-year period beginning on the 15th day after the date of enactment of the Frontline Health Care Worker Student Loan Assistance Act of 2020 , the private educational lender shall include a notice informing the borrower of the availability of the student loan forgiveness program for frontline health care workers under the Frontline Health Care Worker Student Loan Assistance Act of 2020 , including where to find information about how to qualify as a frontline health care worker, how to apply to such program, the types of Federal and private loans that are eligible for forgiveness, and the application deadline for such program. . 5. Application and determination of eligibility (a) Application period An individual may apply for loan forgiveness under section 2 by submitting an application to the Secretaries concerned during the period that begins