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so what is the IDR Account Adjustment heres the Scoop the US Department of Education is making a one-time payment account adjustment for federal student loan borrowers and now Im going to unpack what that really means first off theres something called income driven repayment plans or IDR think of it as an umbrella term covering four specific plans save pay ivr and icr these plans offer forgiveness after 10 to 25 years of repayment but heres the kicker many borrowers werent getting proper credit towards IDR forgiveness and Public service loan forgiveness and tracking progress was a mess so the Department of Education is stepping in with the IDR Account Adjustment this means borrowers are getting retroactive credit for payment months even if they werent on an IDR plan or an active repayment you can also use the payment count adjustment to apply your highest payment credit from one of your loans across all of your loans with different payment histories potentially getting you closer