; (6) by amending subsection (f) to read as follows: (f) Borrower Advocate (1) In general There is established in the PBO an Office of the Borrower Advocate (referred to in this subsection as the Office ). The function of the Office shall be to provide timely assistance to borrowers of loans made, insured, or guaranteed under title IV by performing the duties described in paragraph (6). (2) Head of Office There shall be an official known as the Borrower Advocate who shall serve as the head of the Office. The Borrower Advocate shall be appointed by the Secretary from among individuals who have worked closely with the Federal student loan programs authorized under title IV. (3) Removal The Borrower Advocate may be removed only by the Secretary who shall communicate the reasons for any such removal to the authorizing committees. (4) Restrictions (A) Preservice and in-service restrictions An individual may not serve as the Borrower Advocate if such individual— (i) is employed by, or has a financial interest in, an entity that contracts with the PBO; or (ii) was employed by, or had a financial interest in, any such entity in any of the five years preceding the date of the individual’s appointment as the Borrower Advocate. (B) Postservice restrictions An individual who served as the Borrower Advocate may not accept employment with an entity that contracts with the PBO until a period of five years has elapsed following the date on which such individual’s service as the Borrower Advocate terminated. (5) Staff The Office shall be staffed sufficiently to carry out the responsibilities of the Office under this subsection. (6) Duties of the Borrower Advocate The Office of the Borrower Advocate shall— (A) assist borrowers of loans made, insured, or guaranteed under title IV in resolving problems with the PBO and its contractors or other agents, including by— (i) receiving and reviewing complaints of such problems from borrowers; (ii) working to resolve such complaints in a manner that is in the best interests of borrowers