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hey everyone big news today the IDR waiver FAQ just dropped its a big deal a really really big deal so if you have loans that have different number of payment credits on them you can now consolidate those loans and get the loan credited with the period of the greatest number of payments that you have at least so thats a huge deal so lets say that you have a loan that youve been paying on since 1994. if you consolidate that loan with other loans that you might have maybe that you took out more recently your new consolidated loan will get credited with at least the number of payments that you have in the loan thats the oldest so thats a really big deal if you type in IDR Account Adjustment on Google youre going to see the FAQ and its just a its a really really huge deal Im standing in front of flowers today because thats its all its these arent roses but its all roses this IDR waiver FAQ weve been waiting on the IDR radio FAQ for literally months weve been waiting on it