; (B) be made available on the primary internet website of the covered lender, servicer, or assignee and on monthly billing statements; and (C) not subject borrowers to unreasonable call wait times. (3) Prohibition on charge offs and default A covered lender, servicer, or assignee may not charge off or report a postsecondary education loan as delinquent, assigned to collection (internally or by referral to a third party), in default, or charged off to a credit reporting agency if the borrower is on active duty in the Armed Forces (as defined in section 101(d)(1) of title 10, United States Code) serving in a combat zone (as designated by the President under section 112(c) of the Internal Revenue Code of 1986). (4) Additional liaisons The Director, in consultation with the Secretary, shall determine additional entities with whom borrowers interact, including guaranty agencies, that shall designate an employee to act as the servicemember and veterans liaison who is responsible for answering inquiries from servicemembers and veterans and is specially trained on servicemembers and veteran benefits and option under the Servicemembers Civil Relief Act. (m) Borrower's loan history (1) In general A covered lender, servicer, or assignee shall make available in a secure electronic form usable by borrowers, or in writing upon request, the loan history of each borrower for each postsecondary education loan, separately designating— (A) payment history, including repayment plan and payments— (i) made on such loan to previous covered lender, servicer, or assignee; and (ii) qualifying toward a loan forgiveness program and designating such program; (B) loan history, including any for­bear­ances, deferrals, delinquencies, assignment to collection, and charge offs; (C) annual percentage rate history; (D) key loan terms, including application of payments to interest, principal, and fees, origination date, principal, capitalized interest, annual percentage rate, including any cap, loan term, and any contractual incentives