Guilt? Rates Subject to Change. Keeppart or all of your federal or state payments to pay down your debt. Be sure to contact us within the time limit listed in your first debt letter. . We may need to accept a request for forgiveness. You will receive a $1,000 bonus if you refinance $100,000 or more, or a $200 bonus if you refinance an amount from $50,000 to $99,999.99. If a borrower is eligible for and chooses to accept an interest rate promotional offer due to that borrowers membership in a professional association, the borrower will not be eligible for the cash bonus from Laurel Road. To begin the qualification process for the Student Loan Planner sign on bonus, customers must apply from the link provided. Variable rates range from 4.84% APR to 9.19% APR (excludes 0.25% Auto Pay discount). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. Mobilize whatever resources will support you in this before continuing. E-ZPass. How did the event(s) change you? Just as hostility is noted to have many negative effects,[1] forgiveness is shown to bring many benefits to the forgiver. To check if you owe toll in Virginia, visit the 'Find Missed Toll' section on VDot website. These examples provide estimates based on the Deferred Repayment option, meaning you make no payments while enrolled in school and during the separation period of 9 billing periods thereafter. Alternatively, if you have a valid E-ZPass VA or other toll tags. By continuing to use our website, you agree to and accept our. Based in Virginia, USA. Student Loan Planner will confirm loan eligibility and, upon confirmation of a qualifying refinance, will send via email a $500 e-gift card within 14 business days following the last day of the month in which the qualifying loan was confirmed eligible by Student Loan Planner. For 150k+. Rates are subject to change without notice. In addition, toll bill referrals to the Central Collection Unit (CCU) and MDOT Motor Vehicle Administration (MDOT MVA) have ceased until December 1, 2022. If you request a waiver and ask for an oral hearing, we'll schedule your hearing. We'll send you a letter with the date, time, and location of the hearing. You can also check your VA debt balance by phone: If you geta debt collection letter from our Debt Management Centerand you think there's an error, contact us right away. New York: Bantam; 1992. You could owe us money for different reasons. Earnest clients may skip one payment every 12 months. The bonus amount will depend on the total loan amount disbursed. Copyright 2023 VDOT. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Weve personally advised over $1 out of every $1,000 in student loan debt in the U.S., creating custom plans for approximately $2.4 billion worth of student loans. Lowest APRs shown for Discover Student Loans are available for the most creditworthy applicants for undergraduate loans, and include aninterest-onlyrepayment discount a 0.25% interest rate reduction while enrolled in automatic payments. Brach, T. Free guided meditation on forgiveness on her. Splash: If you refinance over $100,000 through this site, $500 of the cash bonus listed above is provided directly by Student Loan Planner. Toll Calculator. Lowest rates reserved for the most creditworthy borrowers. Before sharing sensitive information, make sure you're on a federal government site. If you wish to receive this content in an accessible format per Section 508 of the federal Rehabilitation Act, 29 U.S.C. Student Loan Planner has helped 10,587+ clients save a projected $569 million on their student loans. Variable rates are derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). Yes. All Invoice/Notice payments will be processed by the Virginia Department of Transportation under the name VATOLL PAYMENT WEB. PAYE Moving Forward: Will Borrowers Need to Enroll in PAYE to Remain on It? Find ways to contact us by phone and email, along with other avenues to guide you through our services. The cost of not allowing the offender off the hook is, perhaps, a lifetime of unhappiness. SoFi loans are originated by SoFi Lending Corp. or an affiliate (dba SoFi), a lender licensed by the Department of Financial Protection and Innovation under the California Financing Law, license #6054612; NMLS #1121636 (www.nmlsconsumeraccess.org). ICC/MD 200 Toll Rates. Theres the VLFP I program geared toward law graduates from 2012 and earlier.
. Disclaimers: Student Loan Planner is located at 1011 S Hamilton Road, Suite 300, Chapel Hill, NC 27517. If you wish to receive this content in an accessible format per Section 508 of the federal Rehabilitation Act, 29 U.S.C. This offer is not valid for borrowers who have previously received a bonus from Student Loan Planner. If the toll is paid within 15 days, the penalty will be reduced to $10. . File a claim for disability compensation for conditions related to your military service, and manage your benefits over time. Second Notice Issued: Toll + $30 penalty. If you have unpaid video tolls and/or civil penalties, the MDTA will waive the civil penalties if your toll balance is paid in full between Feb. 24 and 11:59 p.m. on Nov. 30, 2022. There is a limit of one bonus per borrower. 2. Borrowers must complete theRefinance Bonus Request formto claim a bonus offer. How can more of your energy go into what you value? $100 to $350 for $5k to $99,999, The Institute of College Access and Success (TICAS), Check back with the states loan repayment program page, Virginiacolleges lost accreditation and closed, Find the Best Plan for Your Student Loans. Now accepting donations to DRIVE SMART Virginia Education Fund. In order to receive this bonus, customers will be required to complete and submit a W9 form with all required documents. This website includes hyperlinks to sites neither controlled nor sponsored by VDOT or the More help is available if your loan is a student loan issued by the . In Virginia, you can generally pay your ticket fines online, by mail, or in person. Most toll road operators have a website, or a toll-free phone number, where you can quickly and easily register a dispute. You will now be able to tab or arrow up or down through the submenu options to access/activate the submenu links. Visit an in-person Customer Service. The hook is extremely painful. VA COVID-19 debt relief options for Veterans and dependents, Submitting a Financial Status Report (VA Form 5655). President Joe Biden's student loan forgiveness plan was front and center Tuesday. See disclaimers at:https://www.splashfinancial.com/disclaimers/, Splash Financial, Inc. (NMLS #1630038), licensed by the DFPI under California Financing Law, license # 60DBO-102545. Write it down, express it through creative means such as drawing, or talk it out. Save more than $2 each crossing. You may be able torequest a plan for some types of VA debt online.Request help with VA debt payments. An official website of the United States government. If youre an Old Dominionresident with student loan debt, you have options for student loanforgiveness in Virginia. In order to receive this bonus, customers will be required to complete and submit a W9 form with all required documents. This will delay an update to your account. MDTA facilities are fully financed, operated, maintained, improved, and protected with toll revenues paid by customers using those facilities. What can you learn from this experience? Autopay is not required to receive a loan from SoFi. Find helpful VA phone numbers. Earnest Loans are made by Earnest Operations LLC or One American Bank, Member FDIC. Call the customer service center. For the $1,250 Welcome Bonus offer, $500 will be paid directly by Student Loan Planner via Giftly. This offer is not valid for borrowers who have previously received a bonus from Student Loan Planner. To be eligible for Virginiacollege loan discharge, you mustve been enrolled when the school closed or if you were on an approved leave of absence. Use the map and form below to locate the road you traveled on and find out whether you can pay your missed toll. Each toll tacked on $50 or even $100 per fine. Terms and Conditions Apply. It may be suspended during forbearance or deferment. The program is called the VirginiaLoan Commonwealth Plan. Immigration. Keep your contact information up to date. Texas Transportation Code 372.053 authorizes Texas tolling entities to offer free or discounted use of a toll project to Texas-registered vehicles with qualifying specialty license plates for Disabled Veterans, Purple Heart recipients, Medal of Honor recipients, and Legion of Valor recipients. Activate a Transponder Pay Toll Invoice. You can review the guidelines here. Rural Health receives HHS funding and has Federal PHS deemed status for certain health or health-related claims, including medical malpractice claims, for itself and its covered individuals. Tolling authorities must send the bill in 30 days and the driver is not liable for the payment if they do not receive the notice within 30 days. VDOT Central Office 1401 E. Broad St. Richmond, VA 23219, We use cookies to enhance your browsing experience. AP Photo/Julio Cortez. The newly enhanced program provides 50% off 2-axle tolls for the Downtown and Midtown tunnels to qualified residents. You can tell usabout why it's hard for you to repay the full debt balancenow and how much you want to pay each month. Learn how this debt collection restart may affect you. After we make a decision, we'll send you this information by mail: Tutorial Video: Forgot to pay a toll within 5 days? This form can be used to pay toll Invoices/Notices on Coleman Bridge, Dulles Toll Road, Powhite Parkway Extension, RMTA Downtown Express, Powhite Parkway, 66 Express Lanes Inside the Beltway, and 64 Express Lanes. This content is not provided or commissioned by any financial institution. Links may open in a new window. Use the map and form below to locate the road you traveled on and find out whether you can pay your missed toll. This website includes hyperlinks to sites neither controlled nor sponsored by VDOT or the Commonwealth of Virginia. Variable APR: A $10,000 loan with a 20-year term (240 monthly payments of $72) and a 5.89% APR would result in a total estimated payment amount of $17,042.39. All rights reserved. 2 hours ago. Eligibility: Must work full-timefor an eligible employer in the public sector and make 120 payments. Lowest rates may require an autopay discount of 0.25%. Wherever you go, so does the hook and so does the offender. The interest rate ranges represent the lowest and highest interest rates offered on Discover student loans, including Undergraduate, Graduate, Health Professions, Law and MBA Loans. If you have questions about debt collection, call our Debt Management Center at800-827-0648 (1-612-713-6415 from overseas) (TTY: 711), Monday through Friday, 7:30 a.m. to 7:00 p.m. Forgiveness amount: Up to 100% of qualifying law school loansif you earn less than $65,000. By continuing to use our website, you agree to and accept our. To qualify for Toll Relief, participants must: Reside in Hampton Roads * Earn $50,000 or less (individual income) per year Have or open a Virginia E-ZPass account Must drive a passenger vehicle (Vehicles over 2-axles are not eligible) Proof of residency and income are required at the time of application. All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. If a driver fails to respond as outlined in the violation notice, an additional $42.50 penalty may be assessed and a hold may be placed on the vehicle's registration. Albany, NY 12212-5186. Bonus cannot be issued to residents in KY, MA, or MI. All outstanding accounts that received toll violations within the eligible period will be mailed a letter to their current address on file on or after October 1, 2021. To enter and activate the submenu links, hit the down arrow. Whether you are researching for an upcoming trip, need to get to the right place to pay a toll invoice or violation notice, or if you accidentally used a toll facility without paying (a situation we call missed-a-toll) this website can help you get to the right place. toll free. Its a unique program in that it doesnt have an earnings cap or an asset limit for qualification. We need never forget what happened. Though there arent many options of student loanforgiveness in Virginia,specifically, check out Virginia state loan repayment programand the other options listed above. The commonwealth of Virginia and Elizabeth River Crossings OpCo LLC have partnered to expand the Toll Relief Program, Gov. Lowest rates are reserved for the most creditworthy applicants and will depend on credit score, loan term, and other factors. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900), NMLS Consumer Access. Contact us within the time limit listed in your first debt letter. For the $1,050 Welcome Bonus offer, $500 will be paid directly by Student Loan Planner via Giftly. PO Box 15186. Veterans Crisis Line: Click the link below to be redirected to that toll facility's web site. To forgive is to set a prisoner free and discover that the prisoner was you. If you took an unpaid trip on a Virginia toll facility you may be able to pay the toll through a "missed-a-toll" process before receiving a toll invoice or violation notice, often at a lower cost. An overpayment can happen for any of these reasons: If you have questions about why you owe us money, call the related VA benefit or health care office. Lowest rates displayed with an autopay discount of 0.25%. There arent a ton of Virginia-specific student loan forgiveness programsor loan repayment assistance programs,but there are a few. Sofi: If you refinance $100,000 or more through this site, $500 of the $1,000 cash bonus is provided directly by Student Loan Planner. 888-442-4551 Hours: Monday through Friday, 8:00 a.m. to 7:00 p.m. VA estimates that approximately 150,000 veterans a year will reach a qualifying disability rating over the next 10 years, of which approximately 18 percent will be 50 years old or under and approximately 20 percent will have at least some postsecondary education at the time of their separation from the armed services. Note: Forms are in order based on the form number. Well consider the changes when we make our decision on your request. Office of Accountability & Whistleblower Protection, Training - Exposure - Experience (TEE) Tournament, War Related Illness & Injury Study Center, Clinical Trainees (Academic Affiliations), Call TTY if you You may contact the VA Toll Violation Processing Center by calling 1-888-860-9361. $200 for $50k to $99,999, For 100k or more. We may need assistance to do this, depending on such factors as who perpetrated the offense (oneself, a family member, a stranger, etc.) If you took an unpaid trip on a Virginia toll facility you may be able to pay the toll through a missed-a-toll process before receiving a toll invoice or violation notice, often at a lower cost. Take our 11 question quiz to get a personalized recommendation for 2023 of whether you should pursue PSLF, Biden's New IDR plan, or refinancing (including the one lender we think could give you the best rate). This will help you avoid more collection actions. How often does the event come to mind? You can take advantage of the Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment. The bill passed on a 32-1 vote and now goes before the House of Delegates. In years past, some Virginiacolleges lost accreditation and closed. All rates listed represent APR range. The lowest APRs shown for residency, bar exam, private consolidation and parent loans are available for the most creditworthy applicants and include a 0.25% interest rate reduction while enrolled in automatic payments. Earnest loans are serviced by Earnest Operations LLC with support from Navient Solutions LLC (NMLS #212430). Virginia Toll Payment Processing Center All Invoice/Notice payments will be processed by the Virginia Department of Transportation under the name VATOLL PAYMENT WEB This site can only process Invoice/Notice disputes for Virginia E-ZPass Account Holders. Earnest Operations LLC, NMLS #1204917. This offer is not valid for borrowers who have previously received a bonus from Student Loan Planner. The bonus amount will depend on the total loan amount disbursed. For a variable loan, after your starting rate is set, your rate will then vary with the market. What was that experience like, and how did you feel? Here you can choose the toll facility where you suspect to have missed a toll and then enter your trip details like License Plate number, trip state (s) and trip date. Beginning December 1, 2021, Norfolk and Portsmouth residents can apply for toll relief benefits until February 15, 2022. Supreme Court seems ready to reject student loan forgiveness . Contact your School Certifying Official (SCO) each semester. Note: For missed . Some resources on this site require the Adobe Reader and the Microsoft Word, PowerPoint and Excel viewers. This website includes hyperlinks to sites neither controlled nor sponsored by VDOT or the Commonwealth of Virginia. If the applicant was referred using the referral bonus, they will not receive the bonus provided via the referring party. If you wish to receive this content in an accessible format per Section 508 of the federal Rehabilitation Act, 29 U.S.C. Earnest: $1,000 for $100K or more, $200 for $50K to $99.999.99. Loan or savings calculators are offered for your own use and the results are based on the information you provide. Funding to increase to $3.2M in 2022, then 3.5% annually. SoFi reserves the right to modify or discontinue at any time without notice. ET Other helpful VA phone numbers THIS IS AN ADVERTISEMENT. Annual leave begins to accrue immediately and can be used as it is earned with supervisory approval. If you need to make any payments, be sure to pay on time. Forgiveness is an absolute necessity for continued human existence. This letter will reflect the outstanding balance and offer participation in the amnesty program. The benefit lowers your interest rate but does not change the amount of your monthly payment. Send us a letter to dispute the debt in 1 of 2 ways: Tell us why you think your debt is an error and provideany supportinginformation. For loans where a credit union is the lender or a purchaser of the loan, in order to refinance your loans, you will need to become a credit union member. Customers who are approved for and close a loan will receive the $300-$775 bonus through a reduction in the principal balance of their Education Loan Finance loan when your loan has been disbursed. Appreciate that the process may take time or additional resources. The interest accrued during the skipped month will result in an increase in your remaining minimum payment. 794 (d), please call 1-888-860-9361. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. Fixed APR: A $10,000 loan with a 15-year term (180 monthly payments of $173.51) and an 13.03% APR would result in a total estimated payment amount of $22,827.79. You must be considered highly qualified and work at an elementary or secondary school. If you withdrawfrom a class, leave school, or make other changes to your schedule, tell us and your SCO right away. In that same vein, drivers in Orange County, California filed suit against The Transportation Corridor Agencies, doing business as The Toll Roads (and others) in litigation entitled In Re Toll . (Refer to the Values tool.). Also linked to the First Time Forgiveness program was the capping of court fees for toll violations. The Customer Service Call Center (1-888-321-6824) is open 7 a.m. to 8 p.m. Monday through Friday and 8 a.m. to 2 p.m. Saturday. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). If a borrower does not claim the Student Loan Planner bonus within six months of the loan disbursement, the borrower forfeits their right to claim said bonus. The federal class-action lawsuit challenging the constitutionality of the $50 fee that E-ZPass charges motorists for toll . The rate will not increase more than once per month. If you dont meet those requirements, federal programs for student loanforgiveness are available that you may qualify for. Service requirement: Theres no commitment and you can qualify for each year as long as you remain eligible. The death toll has risen to at least 63 in the migrant tragedy off Italy's southern coast after rescue crews recovered several . Adjustment of Status I-485. How can this connect you more with others? If you have not yet received a Notice of Toll Evasion and you drove The Toll Roads within the last five days, you can easily pay your toll by clicking here. Forgiveness: The Gift We Give Ourselves was written by Shilagh A. Mirgain, PhD and Janice Singles, PsyD, (2014, updated 2018). Monday through Friday, 7:30 a.m. to 7:00 p.m. Advertised APRs for career training students assume a $10,000 loan to a student who attends school for 2 years and has no prior Sallie Mae-serviced loans. We must be ready to reclaim the parts of our life that were affected. Learn more about the VA appeals process, If you have questions about the cause of your debt, call your VA benefit office. You will receive a $1,250 bonus if you refinance $150,000 or more, or a $100 to $400 bonus if you refinance an amount from $20,000 to $149,999.99, depending on the amount refinanced. Upon disbursement of a qualifying loan, the borrower must notify Student Loan Planner that a qualifying loan was refinanced through the site, as the lender does not share the names or contact information of borrowers. If you don't make other arrangements to repay your debt, the U.S. Treasury may keep (or offset) any eligible federal benefit payments you receive to pay down the debt. In spite of our continued memory of the event, we nevertheless forgive and live life in the present. Earnest variable interest rate student loan refinance loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. Some resources on this site require the Adobe Reader and the Microsoft Word, PowerPoint and Excel viewers. Student Loan Planner will confirm loan eligibility and, upon confirmation of a qualifying refinance, will send via email a $500 e-gift card within 14 business days following the last day of the month in which the qualifying loan was confirmed eligible by Student Loan Planner. If your invoice/notice was issued by an agency other than VDOT, please click the agency that has issued your invoice/notice from the list below in order to . This information is current as of February 1, 2023. Choose the toll road on which you traveled. Laurel Road disclosures. Copyright 2023 VDOT. Service requirement: There's no commitment and you can qualify for each year as long as you remain eligible. To qualify, a borrower must be a U.S. citizen and meet our lending partners underwriting requirements. What emotions are still present? If you are in crisis or having thoughts of suicide, Additional terms and conditions apply; see SoFi.com/eligibility for details. Toll Rates Tables. "Late fees will be suspended from March 20, 2020 until further notice during. VDOT Central Office 1401 E. Broad St. Richmond, VA 23219, We use cookies to enhance your browsing experience. The information you provide is an inquiry to determine whether Splashs lending partners can make you a loan offer but does not guarantee you will receive any loan offers. The .gov means its official. Links may open in a new window. When you request help within the time limit, you canavoid late fees, interest, or other collection actions. As Stephen Hayes, one of the founders of Acceptance and Commitment Therapy said, Unforgiveness is like being on a giant hook. Please find the facility and the corresponding fee. If you have driven through an open toll zone: Click Here. However, the borrower can still be eligible for the Student Loan Planner bonus if they qualify under the Student Loan Planner Bonus Disclosure terms below. If you opt to receive the cash bonus incentive offer, you will receive a $1,050 bonus if you refinance $100,000 or more, or a $300 bonus if you refinance an amount from $50,000 to $99,999.99. Offers from Laurel Road cannot be combined. Violation notices are mailed to the address the DMV has on file for the vehicle at the time of the violation. Variable rate options range from 4.47% (with autopay) to 9.24% (without autopay) and will vary based on application terms, level of degree and presence of a co-signer. Variable rates from 5.09% APR to 8.99% APR with a 0.25% autopay discount. California Financing Law License 6054788. One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104. Your sleep? Apply for monthly payments for wartime Veterans and survivors with limited or no income who meet certain age and disability requirements. 535 Mission St., Suite 1663, San Francisco, CA 94105. Visit your school's financial office often to review your account. Borrowers must complete the Refinance Bonus Request form to claim a bonus offer. Mail to the following address. Forgiveness amount: Up to a maximum of $140,000. All rights reserved. E-ZPass Violation Payments and Inquiries. The bonus amount will depend on the total loan amount disbursed. Borrowers must complete theRefinance Bonus Request formto claim a bonus offer. This offer is not valid for current Earnest clients who refinance their existing Earnest loans, clients who have previously received a bonus, or with any other bonus offers received from Earnest via this or any other channel. Products may not be available in all states. Fixed rates range from 4.64% APR to 9.24% APR (excludes 0.25% Auto Pay discount). Offer participation in the present easily register a dispute now be able a... 2-Axle tolls for the $ 1,050 Welcome bonus offer file for the most creditworthy applicants will..., NMLS Consumer Access, they will not increase more than once per month of the $ 50 fee E-ZPass... An oral hearing, we use cookies to enhance your browsing experience Navient Solutions LLC ( #! No commitment and you can pay your missed toll you will now able. Receive a loan from SoFi rates displayed with an autopay discount Invoice/Notice will!, federal programs for student loanforgiveness are available that you may be able torequest a for. Of $ 140,000 manage your benefits over time accepting donations to DRIVE SMART Education. S Hamilton road, Suite 1663, San Francisco, CA 94105 toll road operators have website. Lending partners underwriting requirements every 12 months rates may require an autopay of... A website, you can qualify for each year as long as you remain.! $ 1,000 for $ 100k or more, $ 500 will be processed by the Virginia of. Access/Activate the submenu options to access/activate the submenu links < /center > < >. Lawsuit challenging the constitutionality of the violation and conditions apply ; see SoFi.com/eligibility for details participation in amnesty! Have partnered to expand the toll is paid within 15 days, the penalty will be reduced $. Elizabeth River Crossings OpCo LLC have partnered to expand the toll relief,!, be sure to contact us within the time limit listed in your first letter! Auto pay and account for the student loan Planner via Giftly 2022, 3.5... Forgiveness is an ADVERTISEMENT valid E-ZPass VA or other collection actions or having thoughts suicide. Amount will depend on credit score, loan term, and other.! Plan for some types of VA debt online.Request help with VA debt payments of 0.25 % school! # x27 ; s student loan debt, call your VA benefit Office cost. Form with all required documents mobilize whatever resources will support you in before... Rates ( APRs ) displayed assume borrowers Enroll in paye to remain on it 99.999.99. And dependents, Submitting a financial Status Report ( VA form 5655 ) right to modify discontinue! Immediately and can be used as it is earned with supervisory approval constitutionality of the federal Rehabilitation Act 29... 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Ave, Sioux Falls, SD 57104 ), NMLS Consumer Access DMV has on file for the %! Make other changes to your military service, and how did you feel by vdot the! Hill, NC 27517 use the map and form below to locate the road you traveled on and find whether... And form below to be redirected to that toll facility 's WEB.... You a letter with the date, time, and how did event... President Joe Biden & # x27 ; s student loan Planner borrowers who have previously received a bonus student... A maximum of $ 140,000 50 % off 2-axle tolls for the Downtown and tunnels... Debt relief options for student loanforgiveness are available that you may qualify...., MA, or talk it out borrowers Enroll in paye to on... Suite 300, Chapel Hill, NC 27517 make other changes to your schedule, tell us your... For the 0.25 % reduction in interest rate but does not change the of. Benefits to the forgiver modify or discontinue at any time without notice we may need to any. 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But there are a few the Microsoft Word, PowerPoint and Excel viewers arrow!