; or (bb) notifies the postsecondary educational lender or servicer pursuant to paragraph (8)(C) that the borrower is having difficulty making payment; (II) any borrower who requests information related to options to reduce or suspend the borrower's monthly payment, or otherwise indicates that the borrower is experiencing or is about to experience financial hardship or distress; (III) any borrower who has not completed the program of study for which the borrower received the loans; (IV) any borrower who is enrolled in discretionary forbearance for more than 9 of the previous 12 months; (V) any borrower who has rehabilitated or consolidated 1 or more postsecondary education loans out of default within the prior 24 months; (VI) a borrower who seeks information regarding, seeks to enter an agreement for, or seeks to resolve an issue under a repayment option that requires subsequent submission of supporting documentation; (VII) a borrower who seeks to modify the terms of the repayment of the postsecondary education loan because of hardship; and (VIII) any borrower or segment of borrowers determined by the Director or the Secretary to be at-risk. (ii) Training Staff of the repayment specialist office or unit designated under clause (i) shall— (I) receive rigorous, ongoing training related to available repayment plans, loan forgiveness, and cancellation and discharge options; and (II) be trained to— (aa) assess the borrower’s long-term and short-term financial situation in discussing alternative repayment options with borrowers; (bb) inform borrowers, when there is sufficient information to determine that a borrower may be eligible, about closed-school discharge, discharge under defense to repayment, or total and permanent disability discharge prior to informing the borrower about any other options for repayment