; or (ii) an income-driven repayment assistance plan under section 494A. (B) Selection by Secretary If such borrower does not select a repayment plan described in subparagraph (A), the Secretary shall provide the borrower with the repayment plan described in subparagraph (A)(i). (C) Changes in selection (i) In general Subject to clause (ii), a borrower may change the borrower’s selection of a repayment plan under subparagraph (A), or the Secretary’s selection of a plan for the borrower under subparagraph (B), as the case may be. Nothing in this subsection shall prohibit the Secretary from encouraging distressed borrowers from enrolling in the income-driven repayment assistance plan under section 494A. (ii) Same repayment plan required All loans made under this part on or after July 1, 2023, to a borrower shall be repaid under the same repayment plan under subparagraph (A), except that the borrower may repay an excepted PLUS loan or an excepted consolidation loan (as such terms are defined in section 494A) separately from other loans made under this part to the borrower. (D) Repayment after default The Secretary may require a borrower who has defaulted on a loan made 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. (E) Rules for existing borrowers (i) Existing borrowers in standard or graduated plans A borrower who, as of the day before the date of enactment of FAIR Act , was repaying a loan made under this part pursuant to a plan described in subparagraph (A), (B), or (C) of paragraph (1) may— (I) continue to repay such loan pursuant to such plan