Considering the fact that these borrowers wouldn't see a adjust in the amount they shell out right before obtaining forgiveness, we don't assign a cost towards the waivers for these borrowers. Any expenses for waivers granted to borrowers that are modeled for being on IDR come from possibly comprehensive waivers https://digitalasset.sfo2.digitaloceanspaces.com/Alleviate-Financial-Solutions/Debt-Relief-Programs-California.html