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hey there Im Patty Ogilvy with the student loan health group and Im a senior enrollment counselor here and Im Sam pettenkill with the student loan help group Im also a senior enrollment counselor So today were going to talk about some of the changes that are occurring this year with your student loans as well as learn about the one-time Account Adjustment changes um and then well go over some of the benefits and what you can expect moving forward because there are a lot of changes and we want to make sure that everybodys up on everything and so you definitely got an expert here Sam like knows everything about these programs so um lets just start out Sam whats what is the one-time account revision for eligible income driven repayment Borrowers so its kind of a mouthful of a name that theyve been calling it the income driven repayment Account Adjustment or the one-time Account Adjustment back in April of last year the Department of Education First announced that they were goin