; (II) the outstanding balance in the account and each loan at the beginning of the billing cycle; (III) the total amount credited to the account and each loan during the billing cycle; (IV) the total amount of unpaid interest for the account and each loan; (V) the amount of any fee added to the account during the billing cycle, itemized to show each individual fee amount and reason for each fee; (VI) the address and phone number of the postsecondary educational lender or servicer to which the borrower may direct billing inquiries; (VII) the amount of any payments or other credits during the billing cycle that was applied respectively to the principal and to interest for each loan; (VIII) the manner, pursuant to subparagraph (G), in which payments will be allocated among multiple loans if the borrower does not provide specific payment instructions; (IX) whether each loan is in deferment or forbearance; (X) information on how to file a complaint with the Bureau and with the ombudsman designated pursuant to section 1035 of the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5535 ) and the Department of Education; (XI) for any borrower considered to be at-risk, as described in subparagraph (J)(i), a statement that a repayment specialist office or unit designated under subparagraph (J) is available to answer inquiries related to alternative repayment options, including the toll-free telephone number and email address to contact the specialist pursuant to subparagraph (J)(iii)