; and (2) in the case of a married borrower who files a Federal income tax return separately from the borrower's spouse, based on the sum of the adjusted gross income of the borrower and the spouse, as reported on the applicable Federal income tax returns, unless the borrower certifies, on a form approved by the Secretary, that the borrower is— (A) separated from the borrower's spouse; or (B) unable to reasonably access the income information of the borrower's spouse. . 102. Fixed repayment plan Part G of title IV ( 20 U.S.C. 1088 et seq.) is amended by adding at the end the following: 493E. Fixed repayment plan (a) In General A borrower of a loan made under part D on or after July 1, 2020, and a borrower who is in repayment on a loan made, insured, or guaranteed under part B or D before July 1, 2020, may elect to repay such loan under the fixed repayment plan described in this section. (b) Fixed repayment plan Under the fixed repayment plan, a borrower shall repay each loan described in subsection (a) with a fixed monthly repayment amount paid over a period of 10 years, subject to subsection (c). (c) Special rules (1) Minimum If a borrower's monthly payment under this section (except for the final payment on the loan) is less than $25, the Secretary shall establish the borrower's monthly payment as $25. (2) Alternative minimum payments Notwithstanding paragraph (1), the Secretary may accept an alternative minimum payment amount, which may include an amount of less than $25, to account for a borrower’s exceptional circumstances. . 103. Termination of certain repayment plan options (a) FFEL program repayment plan options Section 428(b) ( 20 U.S.C. 1078(b) ) is amended— (1) in paragraph (1)— (A) in subparagraph (D)— (i) in clause (ii), by striking may annually change the selection of a repayment plan under this part, and inserting may at any time after July 1, 2020, change the selection of a repayment plan under this part or part G to one of the 2 repayment plans described in paragraph (9)(C),