; and (B) may make those payments on a quarterly, biannual, or annual basis. (4) Fees, costs, and interest In carrying out restructured repayment schedules under this subsection, the Secretary— (A) shall ensure that such schedules do not exceed the cost to the Federal Government, as determined on the basis of the present value of future payments by such borrowers, of loans made using repayment schedules that require monthly payments; (B) shall not charge a fee to eligible borrowers for participation in the restructured repayment schedule; and (C) shall not charge the eligible borrower a higher interest rate than the eligible borrower would otherwise be charged if the borrower was not on a restructured repayment schedule. . (b) Regulations Not more than 180 days after the date of enactment of this Act, the Secretary of Education, in consultation with the Secretary of Agriculture, shall promulgate final regulations to carry out this section.