Darcy borrowed $4,000 in 2015 from her employer to purchase a new computer. She repays $1,000 of the loan plus 6% interest on the unpaid balance in 2015, 2016, and 2017. After closing a big deal in 2018, she receives the original loan agreement stamped `paid in full'' across the face. Does Darcy have to recognize any income from the cancellation of the loan in 2018? Explain.