; (2) in paragraph (1)— (A) by striking subparagraph (D) and inserting the following: (D) requirements for a co-borrower, including— (i) any changes in the applicable interest rates without a co-borrower; and (ii) any conditions the borrower is required meet in order to release a co-borrower from the private education loan obligation; ; (B) by redesignating subparagraphs (O), (P), (Q), and (R) as subparagraphs (P), (Q), (R), and (S), respectively; and (C) by inserting after subparagraph (N) the following: (O) in the case of a refinancing of education loans that include a Federal student loan made, insured, or guaranteed under title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1070 et seq. )— (i) a list containing each loan to be refinanced, which shall identify whether the loan is— (I) a private education loan; (II) a Federal student loan made, insured, or guaranteed under title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1070 et seq. ); or (III) a loan made, insured, or guaranteed under title VII or title VIII of the Public Health Service Act ( 42 U.S.C. 292 et seq. and 296 et seq.); and (ii) benefits that the borrower may be forfeiting, including income-driven repayment options, opportunities for loan forgiveness, forbearance or deferment options, interest subsidies, and tax benefits; ; and (3) in paragraph (2)— (A) by redesignating subparagraphs (O) and (P) as subparagraphs (P) and (Q), respectively; and (B) by inserting after subparagraph (N) the following: (O) in the case of a refinancing of education loans that include a Federal student loan made, insured, or guaranteed under title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1070 et seq. )— (i) a list containing each loan to be refinanced, which shall identify whether the loan is— (I) a private education loan; (II) a Federal student loan made, insured, or guaranteed under title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1070 et seq. )