; and (F) notify the borrower that a repayment specialist office or unit designated under subsection (j) is available to answer inquiries related to alternative repayment options, including the toll-free telephone number to contact the specialist. (2) Forbearance or deferment If, after receiving information about alternative repayment options from the repayment specialist, a borrower notifies the covered lender, servicer, or assignee that a long-term alternative repayment option is not appropriate, the covered lender, servicer, or assignee may comply with this subsection by providing the borrower, in writing, in simple and understandable terms, information about short-term options to address an anticipated short-term difficulty in making payments, such as forbearance or deferment options, including all terms, conditions, and fees or costs associated with such options. (3) Notification process (A) In general Each covered lender, servicer, or assignee shall establish a process, in accordance with paragraph (1), for a borrower to notify the covered lender, servicer, or assignee that— (i) the borrower is having difficulty making payments on a postsecondary education loan