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hi guys connor with student loan planner uh i wanted to take a quick few minutes to share a consult that i had recently that i think might really apply to a lot of people but also it shows the kind of nuance that that with student loans that we talk about in our consults and its a good example of how the answer it depends is the answer for everything with student loans even when it comes to the pslf waiver that we have going on right now so i want to share this with you guys so this was a client that i had a couple weeks ago uh shes a physical therapist and she came to us because she heard her heard about the pslf waiver and the temporary changes she thought that she may have some extra credit uh she had been working for a non-profit employer but had some periods of forbearance and uh and and deferment um so you know her her basic her loan structure uh she went to school uh for undergrad and head loans from undergrad as well as her graduate pt program and uh she had 166 000 of direc