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listen closer we have this huge forgiveness opportunity that I dont want you to miss out on its called the income driven repayment waiver Account Adjustment now what the hell does that mean all that means is the Department of Education is going to give you credit towards income driven repayment plan forgiveness for all the payments you made under any repayment plan whatsoever its also going to give you credit for that time spent in Long forbearances now thats going to help many of you because some of you had loans with AES or with navient and you kept getting stuck in forbearances for these long times which tacked on a bunch of interest to your loan balance this income driven repayment waiver or Account Adjustment is going to give you credit to get your loans forgiven its also going to look at your time spent in forbearance so if youve had 12 straight months of forbearance its going to give you 12 months of credit towards forgiveness if youve had 15 straight months its going t