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By the way, if you aren't bashful about giving out ballpark numbers and employment statuses, someone here may be able to figure if you qualify for hardship/unemployment deferment right now. Did you have an income reported on your Year 2000 1040 form? If it was just "student" income (nothing more than $20k), and you have a job now, you likely can fill out the hardship deferment and clear the whole matter up. It's good for one year.
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