; (v) a Federal Interest Free Education Loan may only be repaid under the income-contingent repayment plan under subsection (r); and (vi) the Secretary may determine other terms and conditions, and benefits to borrowers of a Federal Interest Free Education Loan. . (b) Income-Contingent repayment plan for undergraduate loans Section 455 of the Higher Education Act of 1965 ( 20 U.S.C. 1087e ) is further amended by adding at the end the following: (r) Income-Contingent repayment plan for undergraduate loans Notwithstanding any other provision of this Act, the Secretary shall carry out a program under which— (1) a borrower of a Federal Interest Free Education Loan— (A) shall have an aggregate monthly payment for the outstanding balance of principal and interest due on all such loans automatically withheld from the pre-tax income of the borrower by the employer of the borrower in a manner which— (i) prohibits employers from using any information about an employee’s outstanding balance or principal and interest due on such loans for any purpose of use as an advantage against the employee; (ii) is determined by the Secretary, in coordination with the heads of other appropriate Federal agencies (including the Secretary of the Treasury and the Commissioner of the Social Security Administration); and (iii) is an amount equal to— (I) if the borrower’s gross income is less than 337 percent of the poverty line applicable to the borrower’s family size as determined under section 673(2) of the Community Services Block Grant Act ( 42 U.S.C. 9902(2) ), $0; (II) if the borrower’s gross income is equal to or greater than 337 percent, but not more than 841 percent of such poverty line; 4 percent of the borrower’s gross income; (III) if the borrower’s gross income is equal to or greater than 842 percent, but not more than 925 percent of such poverty line, 5 percent of the borrower’s gross income