; and (BB) the name and toll-free or collect-call telephone number and email address of an individual employed by, or the office or department of, the postsecondary educational lender or servicer who can provide assistance to the borrower. (III) Limited extension of response time (aa) In general There may be 1 extension of the 30-day period described in subclause (II) of not more than 15 days if, before the end of such 30-day period, the postsecondary educational lender or servicer notifies the borrower of the extension and the reasons for the delay in responding. (bb) Reports to bureau Each postsecondary educational lender or servicer shall, on an annual basis, report to the Bureau the aggregate number of extensions sought by the such postsecondary educational lender or servicer under item (aa). (ii) Protection against negative consequences During the 60-day period beginning on the date on which a postsecondary educational lender or servicer receives a qualified written request from a borrower relating to a dispute regarding payments by the borrower, a postsecondary educational lender or servicer may not impose any negative consequences on the borrower relating to the subject of the qualified written request or to such period, including— (I) engaging in debt collection efforts, including under chapter 37 of title 31, United States Code; (II) providing negative credit information to any consumer reporting agency (as defined in section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a )); (III) lost eligibility for a borrower benefit; (IV) late fees; (V) interest capitalization; or (VI) other financial injury. (J) Repayment specialists for at-risk borrowers (i) At-risk borrowers A postsecondary educational lender or servicer shall designate an office or other unit to act as a repayment specialist regarding postsecondary education loans for— (I) any borrower who— (aa) becomes 30 calendar days or more delinquent under the postsecondary education loan