60 days after the Secretary notifies the borrower of the adjusted amount. (C) Limitation The Secretary shall permit a borrower to make an election of income-based repayment in the written, electronic, or verbal manner described in subparagraph (A) only in connection with the first instance of each of the following: (i) The borrower's selection of a repayment plan during the grace period for such loan. (ii) The borrower changing from the fixed repayment plan under section 493E to income-based repayment. (iii) The borrower's failure to complete the verification process described in subparagraph (B)(ii). (iv) The borrower's failure to recertify enrollment in income-based repayment under this subsection. . (b) Including income of spouses Subsection (d) of section 493C ( 20 U.S.C. 1098e(d) ) is amended to read as follows: (d) Calculation of adjusted gross income for married borrowers The Secretary shall calculate the adjusted gross income of a married borrower under this section— (1) in the case of a married borrower and spouse who jointly file a Federal income tax return, based on the adjusted gross income of the borrower and spouse as reported on the Federal income tax return