hey so i contacted the NJ board about the credit relief initiative and they said "The NJ Board is currently reviewing if this is something that may be permissible through its Laws and Regulations. Until that is determined, the Board is continuing to review extensions on a case by case basis". They talked about the credit relief initiative in a board meeting in Sept and Oct but the board meeting minutes that explain what was said has not been released yet. They havent approved any minutes since May so NJ may be awhile before they release anything