; and (ii) meets the requirements of subparagraphs (A) and (B). (D) Special rule Notwithstanding any other provision of this title, an individual who has a joint consolidation loan and wishes for the Secretary to discharge the loans due to total and permanent disability pursuant to section 437(a), shall first separate the joint consolidation loan in accordance with this section before the Secretary may discharge any portion of the loan. . (b) Conforming amendment Section 428C(a)(3)(B)(i)(V) ( 20 U.S.C. 1078–3(3)(B)(i)(V) ) is amended— (1) by striking or at the end of item (bb); (2) by striking the period at the end of item (cc) and inserting ; or ; and (3) by adding at the end the following: (dd) for the purpose of separating a joint consolidation loan into 2 separate Federal Direct Consolidation Loans under section 455(g)(3). . 306. Removing the collection cost requirement (a) Removal of requirement Section 484A(b)(1) ( 20 U.S.C. 1091a(b)(1) ) is amended by striking shall be required to pay, in addition to other charges specified in this title, reasonable collection costs and inserting shall not be required to pay collection costs . (b) Repayment after default Section 455(d)(6) ( 20 U.S.C. 1087e(d)(6) ), as redesignated under section 103(b), is amended by striking to— and all that follows through the period at the end and inserting to repay the loan pursuant to an income-based repayment plan under section 493C(c). . IV Improving loan information and counseling 401. Student loan contract; simplifying loan disclosures (a) Student loan contract Section 455 ( 20 U.S.C. 1087e ), as amended by section 202, is further amended by inserting after subsection (b) the following: (c) Student loan contract