less than 60 days after the Secretary notifies the borrower of the adjusted amount. The Secretary shall consider any payments made prior to the adjusted monthly payment as having satisfied the amount due to qualify toward loan cancellation or forgiveness options under this title. (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