; (B) with respect to a covered loan made before the date of enactment of this Act and otherwise on deferment, for the 6-month period beginning with the next payment due on the covered loan after the deferment period; and (C) with respect to a covered loan made during the period beginning on the date of enactment of this Act and ending on the date that is 6 months after that date of enactment, for the 6-month period beginning with the first payment due on the covered loan. (3) Loans held by other lenders In the case of a covered loan held by a lender that is not the Secretary, the Secretary shall require the lender to provide the complete payment deferment relief described in paragraph (2). (4) Applications (A) In general A borrower seeking payment subsidies under paragraph (2) or (3) shall submit to the Secretary an application in such manner and containing such information as the Secretary may require. (B) Determinations The Secretary shall approve an application submitted under subparagraph (A) by a borrower that, as determined by the Secretary and demonstrated in the application— (i) is unable to make payments on a covered loan because of a temporary cash flow disruption due to the COVID–19 pandemic