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hello uh christy arkovich here at tampa florida student loan attorney and i am extremely pleased to talk about the idr waiver announcement yesterday by the department of ed um first of all you know dont be dismayed by the title idr waiver doesnt really sound all that flashy but it has a lot of meat and i believe its going to fix a lot of our clients problems that weve seen over the past few years a lot of our clients i think that theres a ton of our clients out there that have not gotten credit for various time periods that they maybe will get credit now under this new waiver and what thats going to mean is that their student loans will be completely done with and they will also be tax free so id like to go through some of the specifics of what they found that caused them to enact this just real quick um what theyre going to do and then what you have to do to go ahead and get the um get this relief under this program so stay tuned and just be a 5-10 minute video or so um your