 based on their household income instead of just repaying based on the balance that they owe. So for people who have lower incomes, this allows them to have more affordable payments. Well, this president has acknowledged that these IDR programs have not worked the way that they should have worked in the past. And for that reason, millions of people who should have had their loans canceled by now do not have that cancellation. Had the program been working the way that it was supposed to, they would have a zero balance right now.