Hi this is Tracy calling and I have some really good news for student loan borrowers currently the government has federal programs that could lower your student loan payments or get 22 100% of your student loans discharge or forgiven. This applies to all student-no(?) status is including defaulted(?) loans and borrowers that are being garnished and in some cases we maybe able to stop the garnishment to find out more info please call our enrollment centers to see how much of your loans(?) can be discharge or forgiven at 202-470-0374. Again the number is 202-470-0374 and please provide your counter with the reference ID number of 1100. Also call us during business hours from Monday through Friday 8:00 AM to 5:00 PM Pacific Standard Time. Thank you and have a wonderful day.