; or (II) (aa) an income-driven repayment assistance plan under section 494A; or (bb) the standard repayment plan described in clause (i). ; (2) by adding at the end the following: (C) Repayment plans for loans in repayment on or after July 1, 2023 (i) Changes in selection In the case of any borrower not described in subparagraph (A)(vi)(I), the borrower may change the borrower’s selection of a repayment plan under subparagraph (A)(vi)(II). Nothing in this subsection shall prohibit the lender from encouraging distressed borrowers from enrolling in the income-driven repayment assistance plan under section 494A. (ii) Treatment of certain borrowers With respect to a borrower who, as of the day before the date of enactment of the FAIR Act was repaying a loan made, insured, or guaranteed under this part pursuant to a plan described in subparagraph (A)(v), the Secretary shall, pursuant to section 494A(b), enroll such borrower into an income-driven repayment assistance plan under section 494A. (iii) Repayment after default The Secretary may require a borrower who has defaulted on a loan made, insured, or guaranteed under this part to— (I) pay all reasonable collection costs associated with such loan; and (II) repay the loan pursuant to the income-driven repayment assistance plan under section 494A. (iv) Prohibition The Secretary may not— (I) authorize a borrower of a loan made, insured, or guaranteed under this part to repay such loan pursuant to a repayment plan that is not described in subparagraph (A)(vi); or (II) carry out or modify a repayment plan that is not described in subparagraph (A)(vi). . (c) Federal Direct Consolidation Loans Section 428C ( 20 U.S.C. 1078–3 ) is amended— (1) in subsection (a)(3)(B)(i)(V)(aa), by striking or income-based repayment and inserting , income-based repayment, or income-driven repayment assistance under section 494A