 If they see Department of Ed there, that means that their loans are going to be included in the adjustment. Some people might see default management collection systems. They're going to be included, too. But if you see anything other than those two items, that means your loans are not eligible for this IDR adjustment. The good thing is there's something they can do to get the loans on track, and that's also inside of studentaid.gov. They can complete the application to consolidate those loans, and just the act of consolidating those loans