; ; (3) in paragraph (9), by striking the period at the end and inserting ; and ; and (4) by adding at the end the following: (10) a borrower who is repaying a loan made, insured, or guaranteed under part B or D pursuant to this section may repay such loan in full at any time without penalty. . (b) Automatic recertification of income for income-Driven repayment plans Section 493C(c) of the Higher Education Act of 1965 ( 20 U.S.C. 1098e(c) ) is amended— (1) by striking The Secretary shall establish and inserting the following: (1) In general The Secretary shall establish ; (2) by striking The Secretary shall consider and inserting the following: (2) Procedures for eligibility The Secretary shall— (A) consider ; and (3) by striking 428C(b)(1)(E). and inserting the following: 428C(b)(1)(E)