; and (2) in subsection (c)— (A) in paragraph (2)(A)— (i) in the first sentence, by inserting , or a schedule for income-driven repayment assistance under section 494A, after schedules ; and (ii) in the second sentence, by inserting or by the terms of repayment pursuant to income-driven repayment assistance under section 494A, after subsection (b)(5) ; and (B) in paragraph (3)— (i) in subparagraph (A), by inserting or an income-driven repayment assistance schedule under section 494A after section 493C ; and (ii) in subparagraph (C), by inserting or an income-based repayment assistance schedule under section 494A after section 493C . (d) Repayment incentives (1) Amendment Section 455(b)(9)(C) ( 20 U.S.C. 1087e(b)(9)(C) ) is amended by inserting (which in the case of a loan for which the first disbursement of principal is made on or after July 1, 2023, may not exceed than 0.25 percentage points) after interest rate reduction . (2) Application of amendment The amendment made by this section shall not apply to any borrower who is a student enrolled in a program of study at an institution of higher education (as defined in section 102 of the Higher Education Act of 1965 ( 20 U.S.C. 1002 )) as of June 30, 2023, or any loans made under part D of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq. ) to (or on behalf of) such student, during the period required for the completion of such program. (e) Other conforming amendments (1) Departmental publication of descriptions of assistance programs The third sentence of section 485(d)(1) is amended— (A) by striking income-sensitive and income-based repayment plans for loans made, insured or guaranteed under part B and inserting income-sensitive repayment plans and an income-driven repayment plan under section 494A for loans made, insured or guaranteed under part B