Printer Paper Jams & Feed Issues

Printing from 2 iMacs on Monterey, and 1 Dell laptop on Windows 10....same problem happens from each machine.

Having trouble with the card stock feed.  The card stock paper feeds into the printer, but the finishing print is missing the top roughly 3/4" of print....ie it seems the paper feeder is maybe slipping, such that it's starting to print before the paper top is under the ink jet.....assuming that's even possible?  The printer is maybe 2-3 years old roughly, worked fine a long time.....so this is a relatively new issue.

I've read through tons of posts here....

I checked my drivers, the printer says it's up to date.

I've got HP Smart, always use it.

I'm using the top tray, understood the bottom tray can't handle card stock.

I've opened everything in the printer, examined the feed rollers, can't see anything dirty, or slipping, or ripped paper screwing up the flow.

I've tried multiple setting changes on paper types, the only thing that helped align the feed was setting the paper type to photo paper.

I'm thinking it needs a "slick" paper setting to put more force on the feed.  The card stock I'm using is standard Staples product, at 110 lb and 199 g/m2....so in theory it's in spec.

I can put standard copy paper in the same upper feed tray, and it prints perfectly.....all aligned.

Any ideas?