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This week on "Off the Cuff," Justin is joined by NASFAA Senior Policy Analyst Jill Desjean and NASFAA U Instructor David Tolman to discuss new guidelines for institutions regarding transcript withholding along with the latest federal and state level developments concerning  the practice.  David then dives into answering questions on crossover payment periods, specifically how it impacts the summer term. Owen then gives a rundown of the latest news, highlighted by the Department of Education’s announcement that changes to income-driven repayment (IDR) would make more borrowers eligible for forgiveness, plus a new study showing millions of borrowers at risk of default when the pause on student loan payments comes to an end.