; (xiii) to the extent practicable, the effect of accepting the loan on the eligibility of the student borrower for other forms of student assistance; and (xiv) an explanation of any cost the student borrower may incur in the making or collection of the loan. (C) Information to be provided without cost The information provided under this paragraph shall be available to the Secretary without cost to the student borrower. (4) Repayment after default The Secretary may require any student borrower who has defaulted on a loan made under the program to— (A) pay all reasonable collection costs associated with such loan