; and (4) by adding at the end the following: (7) Borrowers of loans made before July 1, 2019 A borrower who is in repayment on a loan made under this part before July 1, 2019— (A) may choose to retain the repayment plan that the borrower was enrolled in on the day before such date; (B) may elect to— (i) enter an income-based repayment plan under section 493C(c); (ii) enter a fixed repayment plan described in section 493E; or (iii) switch between the repayment plans described in clauses (i) and (ii) not more than once during a calendar year; (C) after switching to a repayment plan described in clause (i) or (ii) of subparagraph (B), shall not be permitted to select a repayment plan not described in subparagraph (B) for the loan; and (D) shall retain, for purposes of repayment or cancellation of any outstanding balance of principal and interest due on a loan (as described in section 493C(b)(7)), any payments on such loan under another income-based or income contingent repayment plan under this title that would otherwise be qualifying. . (c) Conforming amendment Section 433(b)(7)(B) ( 20 U.S.C. 1083(b)(7)(B) ) is amended by striking on a standard repayment plan and inserting , in the case of a borrower who has not selected a repayment plan, on the repayment plan designated under subparagraph (B) of section 428(b)(9) . 104. Providing incentives to switch into simplified repayment plans (a) Enabling consolidation in order To simplify repayment Section 455(g) ( 20 U.S.C. 1087e(g) ) is amended— (1) by striking Loans .— and all that follows through A borrower of and inserting the following: Loans.— (1) In general A borrower of ; (2) by striking the second sentence