; (e) Income-Based repayment Section 493C of the Higher Education Act of 1965 ( 20 U.S.C. 1098e ) is amended by adding at the end the following: (f) Treatment of refinanced loans In calculating the period of time during which a borrower of a loan issued under section 460A has made monthly payments on such loan for purposes of subsection (b)(7), the Secretary shall treat each monthly payment that otherwise meets the requirements of this section and that was made on a loan for which the liability is discharged by the proceeds of such loan issued under section 460A, as a monthly payment made on such loan issued under section 460A. . III Dischargeability of Student Loans in Bankruptcy 301. Dischargeability of student loans in bankruptcy (1) Exception to discharge Section 523(a) of title 11 of the United States Code is amended by striking paragraph (8). (2) Conforming amendment Section 1328(a)(2) of title 11 of the United States Code is amended by striking (8), . IV General Provisions 401. Report on progress of implementation Not later than the date that is 6 months after the date of enactment of this Act, the Secretary of Education and the Secretary of the Treasury shall, jointly, submit to Congress a report on the progress of the implementation of the provisions of titles I and II. 402. Notification to borrowers (a) In general Not later than the date that is 3 months after the date of enactment of this Act— (1) the Secretary of Education— (A) shall take such steps as may be necessary to notify borrowers of an eligible Federal loan of the loan discharge available under title I, including the applicable deadlines