1. Short title This Act may be cited as the Streamlining Income-driven, Manageable Payments on Loans for Education Act or the SIMPLE Act . 2. Automatic income monitoring procedures after a total and permanent disability discharge Section 437(a) of the Higher Education Act of 1965 ( 20 U.S.C. 1087(a) ) is amended by adding at the end the following: (3) Automatic income monitoring (A) In general Not later than 2 years after the date of enactment of the Streamlining Income-driven, Manageable Payments on Loans for Education Act , the Secretary shall, with respect to each borrower and each income-monitoring period described in subparagraph (B)— (i) offer an opportunity for such borrower to opt out of clause (ii) and prevent the Secretary from obtaining information under such clause; (ii) submit a written request to the Secretary of the Treasury under section 6103(l)(13) of the Internal Revenue Code of 1986 for disclosure of information relating to income, tax filing status, and number of dependents with respect to such borrower (and such borrower’s spouse, if applicable) and such income-monitoring period, for the purpose of determining the borrower’s continued eligibility for the loan discharge described in subparagraph (B) for such year; and (iii) provide the borrower with an opportunity to update the information obtained under clause (ii) before the determination of the borrower’s continued eligibility for such loan discharge for such year. (B) Applicability Subparagraph (A) shall apply— (i) to each borrower who is a borrower of a covered loan (defined in section 455(d)(8)) that is discharged under this subsection or section 464(c)(1)(F) due to the permanent and total disability of the borrower; and (ii) during the income-monitoring period under this subsection, defined in this paragraph as the period— (I) beginning on the date on which such loan is so discharged