; (C) allow a legal representative to bring a borrower defense claim— (i) on behalf of an individual borrower; or (ii) on behalf of a group of similarly situated borrowers; and (D) specify a fixed timeframe for the resolution of borrower defense claims. (2) Deferment during pendency of claims (A) In general Subject to subparagraph (B), a loan made under this title that is subject to a pending borrower defense claim shall be placed in deferment status, during which periodic installments of principal need not be paid and interest shall not accrue (or shall be paid by the Secretary), without regard to whether such loan is in default. (B) Opt out The borrower of a loan subject to deferment under subparagraph (A) may opt out of such deferment at any time during the pendency of the borrower defense claim. (C) Suspension of credit reporting and collection The Secretary shall suspend all adverse credit reporting and collection activity, including offsets and garnishments, with respect to any loan in default that is subject to a deferment under subparagraph (A). (f) Terms of relief (1) In general If the Secretary determines under subsection (c) that a borrower is entitled to relief, the Secretary shall, subject to paragraph (2)— (A) cancel or repay all or a portion of the balance of interest and principal due on any loan subject to the claim for relief; and (B) return to the borrower an amount not in excess of the total amount of payments made on the loan by the borrower. (2) Cancellation of debt and return of payments (A) Substantial misrepresentation claims If the Secretary determines that a borrower is entitled to relief based on a claim of substantial misrepresentation, the Secretary shall— (i) cancel or repay the full balance of interest and principal due on any loan subject to the claim