; (ii) allow the borrower, at any time, to opt out of clause (i) and prevent the Secretary from obtaining information under such clause without further action by the borrower; and (iii) provide the borrower with an opportunity to update the information obtained under clause (i) before the determination of the borrower’s continued eligibility for such loan discharge for such year. (B) Applicability Subparagraph (A) shall apply— (i) to each borrower of a covered loan (defined in section 455(d)(10)) that is discharged under this subsection or section 464(c)(1)(F) due to the permanent and total disability of the borrower; and (ii) during the income-monitoring period under this subsection, defined in this paragraph as the period— (I) beginning on the date on which such loan is so discharged; and (II) during which the Secretary determines whether a reinstatement of the obligation of, and resumption of collection on, such loan may be necessary. . 4048. Repayment of parent loans due to student disability Section 437(d) of the Higher Education Act of 1965 ( 20 U.S.C. 1087(d) ) is amended— (1) by striking If a student and inserting the following: (1) Death If a student ; and (2) by adding at the end the following: (2) Disability (A) In general The Secretary shall discharge a parent’s liability on a loan described in section 428B by repaying the amount owed on the loan if the student on whose behalf the parent has received the loan— (i) becomes permanently and totally disabled (as determined in accordance with regulations of the Secretary)