; or (B) unable to reasonably access the income information of the borrower's spouse. . 102. Fixed repayment plan Part G of title IV ( 20 U.S.C. 1088 et seq.) is amended by adding at the end the following: 493E. Fixed repayment plan (a) In General A borrower of a loan made under part D on or after July 1, 2019, and a borrower who is in repayment on a loan made, insured, or guaranteed under part B or D before July 1, 2019, may elect to repay such loan under the fixed repayment plan described in this section. (b) Fixed repayment plan Under the fixed repayment plan, a borrower shall repay each loan described in subsection (a) with a fixed monthly repayment amount paid over a period of 10 years, subject to subsection (c). (c) Special rules (1) Minimum If a borrower's monthly payment under this section (except for the final payment on the loan) is less than $25, the Secretary shall establish the borrower's monthly payment as $25. (2) Alternative minimum payments Notwithstanding paragraph (1), the Secretary may accept an alternative minimum payment amount, which may include an amount of less than $25, to account for a borrower’s exceptional circumstances. . 103. Termination of certain repayment plan options (a) FFEL program repayment plan options Section 428(b) ( 20 U.S.C. 1078(b) ) is amended— (1) in paragraph (1)— (A) in subparagraph (D)— (i) in clause (ii), by striking may annually change the selection of a repayment plan under this part, and inserting may at any time after July 1, 2019, and then not more than once per calendar year thereafter, change the selection of a repayment plan under this part or part G to one of the 2 repayment plans described in paragraph (9)(C), ; and (ii) in clause (iii), by inserting or, in the case of a default that occurs after July 1, 2019, be subject to income-based repayment in accordance with section 493C(c) before the semicolon at the end