Nope - unfortunately.
Failure to notify the exchange results in this many, many times. If she had done so, she would have been paying the same amount in each month that she owes now...so effectively she has had an interest free loan. Altho I've never been able to really convince a client of that. I've had clients have to pay back more than $ 22,000 = OUCH.
If the income is close to the "cliff" consider an IRA, or HSA contribution or both if at all possible to reduce or eliminate the APTC repayment.
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