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The U.S. Department of Education is initiating a one-time IDR Account Adjustment for federal student loan borrowers to provide retroactive credit towards income-driven repayment (IDR) forgiveness. IDR encompasses four plans: SAVE, PAY, IVR, and ICR, which offer forgiveness after 10 to 25 years. Many borrowers have historically not received proper credit for progress toward IDR or Public Service Loan Forgiveness due to tracking issues. This adjustment allows borrowers to gain credit for payment months, even if they were not on an IDR plan or in active repayment. Additionally, borrowers can use the highest payment credit from one loan to benefit all loans, helping them get closer to forgiveness.