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The Income Driven Repayment Waiver, or Account Adjustment, offers a significant opportunity for student loan forgiveness. The Department of Education will credit borrowers for all payments made under any repayment plan, as well as time spent in long forbearances. This is particularly beneficial for those who have experienced extended forbearance periods with lenders like AES or Navient, which often accrue interest on loan balances. For instance, if a borrower has 12 months of forbearance, they will receive 12 months of credit towards forgiveness; similarly, 15 months of forbearance will provide 15 months of credit. This initiative aims to help borrowers achieve loan forgiveness more efficiently.