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139 STAT. 337 PUBLIC LAW 119–21—JULY 4, 2025 ‘‘(II) the period of such program of study that such individual has completed as of the date of the determination under this subparagraph. ‘‘(C) DEFINITION OF PROGRAM LENGTH.—In this para- graph, the term ‘program length’ means the minimum amount of time in weeks, months, or years that is specified in the catalog, marketing materials, or other official publications of an institution of higher education for a full-time student to complete the requirements for a specific program of study.’’. Subtitle C—Loan Repayment SEC. 82001. LOAN REPAYMENT. (a) TRANSITION TO INCOME-BASED REPAYMENT PLANS.— (1) SELECTION.—The Secretary of Education shall take such steps as may be necessary to ensure that before July 1, 2028, each borrower who has one or more loans that are in a repay- ment status in accordance with, or an administrative forbear- ance associated with, an income contingent repayment plan authorized under section 455(e) of the Higher Education Act of 1965 (referred to in this subsection as ‘‘covered income contin- gent loans’’) selects one of the following income-based repay- ment plans that is otherwise applicable, and for which that borrower is otherwise eligible, for the repayment of the covered income contingent loans of the borrower: (A) The Repayment Assistance Plan under section 455(q) of the Higher Education Act of 1965. (B) The income-based repayment plan under section 493C of the Higher Education Act of 1965. (C) Any other repayment plan as authorized under section 455(d)(1) of the Higher Education Act of 1965. (2) COMMENCEMENT OF NEW REPAYMENT PLAN.—Beginning on July 1, 2028, a borrower described in paragraph (1) shall begin repaying the covered income contingent loans of the borrower in accordance with the repayment plan selected under paragraph (1), unless the borrower chooses to begin repaying in accordance with the repayment plan selected under para- graph (1) before such date. (3) FAILURE TO SELECT.—In the case of a borrower described in paragraph (1) who fails to select a repayment plan in accord- ance with such paragraph, the Secretary of Education shall— (A) enroll the covered income contingent loans of such borrower in— (i) the Repayment Assistance Plan under section 455(q) of the Higher Education Act of 1965 with respect to loans that are eligible for the Repayment Assistance Plan under such subsection; or (ii) the income-based repayment plan under section 493C of such Act, with respect to loans that are not eligible for the Repayment Assistance Plan; and (B) require the borrower to begin repaying covered income contingent loans according to the plans under subparagraph (A) on July 1, 2028. (b) REPAYMENT PLANS.—Section 455(d) of the Higher Education Act of 1965 (20 U.S.C. 1087e(d)) is amended— Effective date. Deadline. 20 USC 1087e note.