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[Music] [Applause] [Music] all right welcome to another edition of the student loan planner podcast Im Rob Bertman I also have Megan McGuire and Tim Terwilliger with us two of our awesome consultants and the three of us together are going to talk through some really recent and really really important developments if you have student loans and especially six-figure student loans and we all know we just finished up with the pslf waiver right I mean we were just talking before we started recording and and Sim what multiple of your prior call volume did you do in October it was at least double wow and what about you Megan I think I had I was also out for my wedding so its a little skewed but um I think I had at least like 10 to 15 additional con consultations that I normally do but I know the the team as a whole like we had we were busy in October yeah yeah yeah I think I did I mean I dont have that many consoles but I did three times the amount I did like I dont know 35 or 36 and nor