the borrower’s spouse, if applicable) for 
purposes of this paragraph. 
‘‘(B) 
BORROWER
NOTIFICATION.—Not 
later than 30 days after a borrower makes the 
6th payment required on such loan pursuant to 
section 428F(d), the Secretary shall notify the 
borrower of the process under subparagraph 
(C) with respect to such loan. 
‘‘(C) SECRETARY’S SELECTION OF PLAN.— 
With respect to each borrower who has made 
the 9th payment required on such loan pursu-
ant to section 428F(d), the Secretary shall, as 
soon as practicable after such payment, carry 
out the procedures described in paragraph 
(6)(C) with respect to such loan.’’. 
SEC. 223. COVERED LOAN AND NON-COVERED LOAN DE-
FINED. 
Section 455(d) of the Higher Education Act of 1965 
(20 U.S.C. 1087e(d)), as amended by this Act, is further 
amended by adding at the end the following: 
‘‘(8) DEFINITIONS.—In this subsection: 
‘‘(A) COVERED LOAN.—The term ‘covered 
loan’ means— 
‘‘(i) a loan made under this part; 
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‘‘(ii) a loan purchased under section 
459A; or 
‘‘(iii) a loan that has been assigned to 
the Secretary under subsection (c)(8) or 
(j)(3)(B) of section 428, or subsection 
(a)(1)(A)(ii) or (a)(1)(G) of section 428F. 
‘‘(B) 
NONCOVERED
LOAN.—The 
term 
‘noncovered loan’ means a loan made, insured, 
or guaranteed under this title that is not a cov-
ered loan.’’. 
SEC. 224. AUTOMATIC RECERTIFICATION OF INCOME FOR 
INCOME-DRIVEN REPAYMENT PLANS. 
(a) INCOME-CONTINGENT REPAYMENT PLANS.—Sec-
tion 455(e)(8)(A) of the Higher Education Act of 1965 
(20 U.S.C. 1087e(e)(8)(A)) is amended— 
(1) by striking ‘‘and’’ at the end of clause (ii); 
(2) by redesignating clause (iii) as clause (iv); 
(3) in clause (iv) (as so redesignated), by strik-
ing the period at the end and inserting ‘‘; and’’; and 
(4) by inserting after clause (ii), the following: 
‘‘(iii) in the case of a borrower who 
has selected to repay a loan made under 
this part pursuant to an income contingent 
repayment plan that defines discretionary 
income in such a manner that the borrower 
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would have a calculated monthly payment 
equal to $0, not require the borrower to 
provide the Secretary the information de-
scribed in clause (i) or (ii), and ensure that 
the borrower will have a calculated month-
ly payment of $0; and’’. 
(b) INCOME-BASED REPAYMENT PLANS.—Section 
493C(c)(2)(B) of the Higher Education Act of 1965 (20 
U.S.C. 1098e(c)(2)(B)) is amended by striking ‘‘any loan 
made under part D (other than an excepted PLUS loan 
or excepted consolidation loan)’’ and inserting ‘‘any cov-
ered loan (as defined in section 455(d)(8))’’. 
SEC. 225. PROCEDURE AND REQUIREMENT FOR REQUEST-
ING TAX RETURN INFORMATION FROM THE 
IRS. 
Section 494(a) of the Higher Education Act of 1965 
(20 U.S.C. 1098h(a)) is amended— 
(1) in paragraph (2)— 
(A) in subparagraph (A), in the matter 
preceding clause (i), by striking ‘‘a loan under 
part D’’ and inserting ‘‘a covered loan (as de-
fined in section 455(d)(8)’’; and 
(B) in subparagraph (B), by striking ‘‘a 
loan under part D’’ and inserting ‘‘a covered 
loan (as defined in section 455(d)(8))’’; and 
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(2) by adding at the end the following: 
‘‘(4) LOAN
DELINQUENCY
AND
REHABILITA-
TION.— 
‘‘(A) 
BORROWERS
DELINQUENT
ON 
LOANS.—In the case of an individual who is a 
borrower of a loan made under this part and 
who is at least 31 days delinquent on such loan, 
the Secretary, with respect to such individual 
and any spouse of such individual, shall— 
‘‘(i) provide to such individuals the 
notification 
described 
in 
paragraph 
(1)(A)(i); and 
‘‘(ii) require, as a condition of eligi-
bility for the notification and automatic en-
rollment 
procedures 
under 
section 
455(d)(6), that such individuals— 
‘‘(I) affirmatively approve the 
disclosure described in paragraph 
(1)(A)(i) and agree that such approval 
shall serve as an ongoing approval of 
such disclosure until the date on 
which the individual elects to opt out 
of such disclosure under section 
455(d)(6)(A)(ii); or 
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‘‘(II) provide such information as 
the Secretary may require to carry 
out the procedures under section 
455(d)(6) with respect to such indi-
vidual. 
‘‘(B) LOAN REHABILITATION.—In the case 
of any written or electronic application by an 
individual for the rehabilitation of a loan made 
under this part pursuant to section 428F(d), 
the Secretary, with respect to such individual 
and any spouse of such individual, shall— 
‘‘(i) provide to such individuals the 
notification 
described 
in 
paragraph 
(1)(A)(i); and 
‘‘(ii) require, as a condition of eligi-
bility for loan rehabilitation pursuant to 
section 428F(a), that such individuals— 
‘‘(I) affirmatively approve the 
disclosure described in paragraph 
(1)(A)(i) and agree that such approval 
shall serve as an ongoing approval of 
such disclosure until the date on 
which the individual elects to opt out 
of such disclosure under section 
455(d)(7)(A)(ii); or 
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‘‘(II) provide such information as 
the Secretary may require to carry 
out the procedures under section 
455(d)(7) with respect to such indi-
vidual.’’. 
PART D—STREAMLINING PUBLIC SERVICE LOAN 
FORGIVENESS 
SEC. 231. AMENDMENTS TO TERMS AND CONDITIONS OF 
PUBLIC SERVICE LOAN FORGIVENESS. 
(a) NUMBER OF MONTHLY PAYMENTS.—Paragraph 
(1) of section 455(m) of the Higher Education Act of 
1965 (20 U.S.C. 1087e(m)) is amended— 
(1) in the matter preceding subparagraph (A), 
by striking ‘‘a borrower who’’ and inserting ‘‘a bor-
rower’’; 
(2) by amending subparagraph (A) to read as 
follows: 
‘‘(A) who— 
‘‘(i) has made 96 qualifying monthly 
payments on the eligible Federal Direct 
Loan after October 1, 2007; and 
‘‘(ii) has been employed in a public 
service job during the period in which the 
borrower makes each of the 96 qualifying 
monthly payments; and’’; and 
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