; and (2) contact such borrower on at least 6 separate occasions regarding the information included in subsection (g). (k) Covered loan In this section, the term covered loan means— (1) a loan described in subsection (a); or (2) a loan— (A) made, insured, or guaranteed under part B of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1071 et seq. ); and (B) for which payments were suspended— (i) pursuant to the Higher Education Relief Opportunities for Students Act of 2003 ( Public Law 108–76 ; 20 U.S.C. 1070 note); and (ii) during a qualifying emergency. .