LOAN COUNSELING.

SEC. 3. LOAN COUNSELING. Section 485(b) of the Higher Education Act of 1965 (20 U.S.C. 1092(b)) is amended— (1) in clause (viii), by striking “and” after the semicolon; and (2) by adding at the end the following: “(x) an explanation that— “(I) the borrower may be contacted during the repayment period by third-party student debt relief companies; “(II) the borrower should use caution when dealing with those companies; and “(III) the services that those companies typically provide are already offered to borrowers free of charge through the Department or the borrower’s servicer; and ” .