Introduction to the CARES Act In early 2020, COVID-19 awakened us to a massive change for students, parents, and schools. Changes that have been different from anything we’ve seen before and frightening because of not only the size, but also the pace with which it took place. Then there’s student loan debt. When President Trump signed the $2 trillion stimulus CARES Act. Unprecedented change came with unparalleled relief efforts which was in part, was designed to help students. Payments on Federally held student loans were halted and zero interest rate placed on these loans starting on March 13 through September 30, 2020, further extended to December 31, 2020, and again to September 30, 2021. Relief for students is necessary and positive. We share a responsibility with you to ensure that while our student borrowers are social distancing from friends and others, they stay connected to their student loan responsibility as we ease back into the new normal including repayment. Inceptia can help with Return to Repayment, proactive outreach to borrowers to remind them of resuming repayments. Determining if there are any additional challenges now will help them make the adjustments necessary to put them on the right track to for successfully fulfilling their repayment obligations without falling behind.