and once the borrower comes out of forbearance, he or she owes significantly more on the principal of the loan than before the hardship period began. 3. 10/10 Loan Repayment and Forgiveness Part G of title IV of the Higher Education Act of 1965 is amended by adding at the end the following: 493E. 10/10 Loan Repayment and Forgiveness (a) 10/10 Loan Repayment Plan (1) 10/10 Loan Repayment Plan authorized Notwithstanding any other provision of this Act, the Secretary shall carry out a program (to be known as the 10/10 Loan Repayment Plan ) under which— (A) a borrower of an eligible loan who is eligible under paragraph (3) may elect to have the borrower's aggregate monthly payment for all such loans not exceed the monthly payment amount described in paragraph (2)