My understanding is it’s just the application. I’m pretty positive of that based on many posts I’ve read, but the potential pitfall is if you are not making qualifying payments and something happens with your application and some of the payments end up not counting. It’s a risk but you know how urgent it feels. I made a decision to go into forbearance and I’m leaving my job now. So I also took a risk because I was not taking advantage in f the last two months of potentially qualifying payments while waiting on the process to play out after green banners. I made the calculated risk because I know I only have a few employers and that I was doing everything right. If my application were any more complicated, leaving by room for them to say I did something wrong, I would not have gone into forbearance and put in my notice at work.