; (2) any private education loan of the borrower; (3) any covered loan or private education loan of the spouse or child of the borrower; and (4) any combination of the loans described in paragraphs (1) through (3). 202. Essential worker credit (a) In general The Secretary of the Treasury shall make available to each essential worker an amount equal to— (1) $25,000; minus (2) the amount the essential worker received under section 201(a). (b) Use of credit The amount an essential worker receives under subsection (a) may only be used to attend an institution of higher education, a workforce development program, or continuing medical education (as defined in section 2) by the essential worker and their spouse or children. (c) Availability The amount available to an essential worker under subsection (a) may be used in accordance with subsection (b) not later than December 31, 2070. 203. Notification to borrowers Not later than 30 days after the date described in section 201(a), the Secretaries concerned shall notify each qualified borrower and essential worker of— (1) the requirements to provide loan relief and essential worker credits to essential workers and their children or spouse under this title; (2) the opportunity for such a borrower to make an election under section 201(b) with respect to the application of such loan relief to the covered loans and private education loans of such borrower and their children or spouse