; or (C) if the Secretary of Veterans Affairs or the Secretary of Defense determines that the borrower is unemployable due to a service-connected condition or disability, in accordance with the requirements of section 437(a)(2) of such Act and the regulations promulgated by the Secretary under that section. (20) Terms for co-borrowers Each private education loan shall include terms that clearly define the requirements to release a co-borrower from the obligation. (21) Prohibition of acceleration of payments on private education loans (A) In general Except as provided in subparagraph (B), a private education loan executed after the date of enactment of this paragraph may not include a provision that permits the private educational lender, loan holder, or entity engaged in servicing such loan to accelerate, in whole or in part, payments on the private education loan. (B) Acceleration caused by a payment default A private education loan may include a provision that permits acceleration of the loan in cases of payment default. (22) Prohibition on denial of credit due to eligibility for protection under Servicemembers Civil Relief Act A private educational lender may not deny or refuse credit to an individual who is entitled to any right or protection provided under the Servicemembers Civil Relief Act ( 50 U.S.C. 3901 et seq. ) or subject, solely by reason of such entitlement, such individual to any other action described in paragraphs (1) through (6) of section 108 of such Act. (23) Rehabilitation of private education loans (A) In general If a borrower of a private education loan successfully and voluntarily makes 9 payments within 20 days of the due date during 10 consecutive months of amounts owed on the private education loan, or otherwise brings the private education loan current after the loan is charged-off, the loan shall be considered rehabilitated, and the lender or entity engaged in servicing such loan shall request that any consumer reporting agency to which the charge-off was reported remove the