As of 12/07/2020 student loan refinancing rates range from 1.99% to 8.56% Variable APR with AutoPay and 2.95% to 8.77% Fixed APR with AutoPay. Revised Pay As You Earn (REPAYE) Calculator, Public Service Loan Forgiveness (PSLF) Calculator, Student Loan Repayment Assistance Programs, $1.64 trillion in total U.S. student loan debt, 44.7 million Americans with student loan debt, 11.1% of student loans are 90 days or more delinquent or are in default, Monthly student loan payment (among those not in deferment) usually range between $200 and $299 on average. Repayment examples do not include the 0.25% AutoPay Discount. Automatic Payment (“AutoPay”) Discount: if the borrower chooses to make monthly payments automatically from a bank account, the interest rate will decrease by 0.25% and will increase back if the borrower stops making (or we stop accepting) monthly payments automatically from the borrower’s bank account. National Association of Student Money Advisers (NASMA) For information, advice and signposting on student money matters. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Graduates who did not receive Pell Grants: 53% of those who never received a Pell Grant had debt, with an average student loan balance of $26,450 per borrower — $4,750 less than the average debt for Pell recipients with debt. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. Student loan debt for borrowers in their 70s increased by 3.4% from 2018; Data from the U.S. Department of Education shows that there are 17% more student loan borrowers age 62 and older in 2019 than the previous year, the largest increase among age groups. Clearly, as these student loan debt statistics show, the cost of attending college can be a heavy burden for a huge portion of Americans. Are more grads utilizing private student loan consolidation and refinancing? Biden will extend the payment pause for student loan borrowers and ask Congress to cancel $10,000 of the debt per borrower, an aide told reporters Friday. At the end of the forbearance period, any unpaid accrued interest will be capitalized and be added to the remaining principle amount of the loan. In the U.S., as of 2016, the average student loan debt per capita is $4,920. Borrowers who take out a term of 5, 7, or 10 years will have a maximum interest rate of 9%, those who take out a 15 or 20-year variable loan will have a maximum interest rate of 10%. Number Of Student Loan Borrowers By Age Group. About 8% is in default because the borrower hasn’t made a payment in nine months or longer. Direct Loans: $1,242.6 billion (35.1 million borrowers), Federal Family Education Loans (FFEL): $261.6 billion (12.1 million borrowers), Perkins Loans: $6.1 billion (2.0 million borrowers), Student Loan Debt Outstanding By Student Loan Type, Stafford Subsidized: $280.7 billion (29.5 million borrowers), Stafford Unsubsidized: $516.0 billion (28.9 million borrowers), Stafford Combined: $796.7 billion (33.2 million unique borrowers), Grad PLUS: $75.2 billion (1.4 million borrowers), Parent PLUS: $96.1 billion (3.6 million borrowers), Perkins: $6.1 billion (2.0 million borrowers), Consolidation: $536.1 billion (11.7 million borrowers), Student Loan Debt Statistics By Loan Status For Direct Loans. It’s 2020, and Americans are more burdened by student loan debt than ever. 17% of student loans for the class of 2018 were private. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. We're on a mission to help 44 million Americans manage their student loans smarter. Earnest loans are originated by Earnest Operations LLC. On average, they owe about $36,000 each. Information and rates are subject to change without notice. : 1 Loans usually must be repaid, in contrast to other forms of financial aid such as scholarships, which never have to be repaid, and grants, which rarely have to be repaid. Are student loans being used to attend public or private universities? Utah has the lowest average student loan debt per student ($19,728) from the Class of 2018. Even though the COVID-19 relief measures have ended, we can help! About $1.05 trillion of Americans’ student loan debt is in the form of direct loans. Bestselling Author, The Lemonade Life. Pennsylvania, New York and Michigan have among the highest student loan debt per capita in … Borrowers between the ages of 25 and 34 had roughly $500 billion in federal student loan debt as of the fourth quarter of 2020, according to the U.S. … Pennsylvania, New York and Michigan have among the highest student loan debt per capita in the nation. One of the first issues expected to come up when President-elect Joe Biden takes office this week is the student loan crisis. America's Top Givers: The 25 Most Philanthropic Billionaires, EY & Citi On The Importance Of Resilience And Innovation, Impact 50: Investors Seeking Profit — And Pushing For Change, Confirmed: Biden’s Extension Of Student Loan Freeze Will Continue To Count Towards Loan Forgiveness, When Economic Theory Clashes With Reality, Individual Workers Get Hurt. Question: What statistics do you have on student loan debt and default for college students? For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. In the U.S., as of 2016, the average student loan debt per capita is $4,920. Average debt at graduation from public and nonprofit colleges was $29,900 in 2019, a 2% increase from 2018. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. This benefit is suspended during periods of deferment and forbearance. You’ve probably heard another scary statistic: Americans owe over $1.64 trillion in student loan debt, spread out among about 45 million borrowers. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America. National Union of Students … Now let’s dive into how much debt student loan borrowers carry by loan type, term and more. Earnest rate ranges are current as of October 26, 2020, and are subject to change based on market conditions and borrower eligibility. Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. 48% of borrowers who attended for-profit colleges default within 12 years, compared to 12% of public college attendees, and 14% of nonprofit college attendees. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. www.nasma.org.uk. While private loan volume peaked at $18.1 billion in 2007-2008, private loan volume is now $7.8 billion as of 2014-2015. Though many options exist for federal student loan, finding the best option for student debt relief can be complicated. First, let’s start with a general picture of the student loan landscape. You understand and agree that different terms of use and privacy policy will apply. As of 2019, here is the breakdown of student loan borrowers by age: < Age 24: $121.2 billion (8.2 million borrowers), 25 - 34: $501.5 billion (15.0 million borrowers), 35 - 49: $575.5 billion (14.1 million borrowers), 50 - 61: $241.2 billion (6.0 million borrowers), > 62: $75.9 billion (2.1 million borrowers), Student Loan Debt Outstanding By Student Loan Program. However, even if the national collegiate trust lawsuit of 2020 comes against you, use that opportunity to build a defense. Student loan debt in the United States has grown rapidly since 2006. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. The National Collegiate Student Loan Trust is one way to get rid of your private student loan debt, especially if there has been a lawsuit against you without evidence. Disclaimers: Student Loan Hero is wholly-owned by LendingTree, a Marketing Lead Generator and Duly Licensed Mortgage Broker with its main office located at 11115 Rushmore Dr., Charlotte, NC 28277, Telephone Number 866-501-2397 (TDD/TTY). Student Loans In School: $131.5 billion (7.0 million borrowers), Student Loans In Repayment: $685.5 billion (18.5 million borrowers), Student Loans In Deferment: $128.4 billion (3.6 million borrowers), Student Loans in Forbearance: $122.9 billion borrowers (2.8 million borrowers), Student Loans In Default: $119.8 billion (5.5 million borrowers), Student Loans In Grace Period: $45.2 billion borrowers (1.8 million borrowers), Student Loan Debt Statistics By Repayment Plan For Direct Loans. Previously, he was a chief financial officer, a hedge fund investor, and worked at Blackstone, Morgan Stanley, and the White House. Federal loans carry special benefits not available for loans made through Splash Financial, for example, public service loan forgiveness and economic hardship programs, fee waivers and rebates on the principal, which may not be accessible to you after you refinance. All rights reserved. NMLS # 1204917. All Rights Reserved, This is a BETA experience. Laurel Road began originating student loans in 2013 and has since helped thousands of professionals with undergraduate and postgraduate degrees consolidate and refinance more than $4 billion in federal and private school loans. Variable Rates: The current index for variable rate loans is derived from the one-month London Interbank Offered Rate (“LIBOR”) and changes in the LIBOR index may cause your monthly payment to increase. LendKey Technologies, Inc. is not affiliated with, nor does it  endorse,  any educational institution. That’s a steep increase from five years ago when the total was $508.7 billion. As of 4Q 2019, there are 10.8 million borrowers with $200.7 billion of student loan debt in the Level Student Loan Repayment Plan (student loan repayment in 10 years or less), which represents the largest concentration of borrowers in student loan repayment. That’s about $587 billion more than the total U.S. credit card debt. Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. Refinancing to a longer term may lower your monthly payments, but may also increase the total interest paid over the life of the loan. By visiting LendingTree’s site, you accept and agree to be bound by LendingTree’s Terms of Use. Almost half (47%) of private loan borrowers borrowed less than they could have in federal Stafford loans for college. Average student loan debt total per person: $31,172; Average monthly student loan payment for graduates: $393 - Legal - Privacy - Online Tracking - Security - Terms. For more information, visit www.laurelroad.com. The website you are about to go to is not operated or controlled by Student Loan Hero. According to the Federal Reserve Bank of New York, outstanding student loan debt in the United States lies between $902 Billion and $1 Trillion with around $864 Billion in Federal student loan debt. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments. You will only have to register once. The National Student Loans Service Centre is pleased to provide you with access to online services. The information provided on this page is updated as of 10/26/2020. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. This system is LIMITED to approved use by AUTHORIZED personnel. To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. Lowest rates are reserved for the highest qualified borrowers. You may see links to LendingTree services and sites on our website. Of the 100 colleges where graduates borrow most in private loans, 85 are nonprofit four-year colleges and 34 are located in Pennsylvania. For press inquiries, please contact [email protected]. Offers are subject to credit approval and are available only to U.S. citizens or permanent residents who meet applicable underwriting requirements. Visit https://www.earnest.com/terms-of-service, email us at [email protected], or call 888-601-2801 for more information on our student loan refinance product. After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for full or partial forbearance of payments for one or more 3-month time periods (not to exceed 12 months in the aggregate during the term of your loan), provided that we receive acceptable documentation (including updating documentation) of the nature and expected duration of the borrower’s economic hardship. Approximately 12 million student loan borrowers are in student loan deferment, student loan forbearance or student loan default. California, Florida, Texas and New York represent more than 25 of all U.S. student loan borrowers who collectively owe more than $420 billion of student loan debt. Assumptions: Repayment examples above assume a loan amount of $10,000 with repayment beginning immediately following disbursement. Meanwhile, 14% of their parents took out an average of $37,200 in federal parent PLUS loans. Variable rate loan rates range from 1.99% APR (with Auto Pay) to 5.34% APR (with Auto Pay). The typical in-state student must pay more than $50,000 per year to obtain a four-year degree from an … [1] [2] Here’s a Snapshot of Student Loan Debt. About 17% of the student debt held by the graduating class of 2018 was private. Register your NSLSC Account. As of Quarter 1 in 2012, the average student loan balance for all age groups is $24,301. The Warren-Nadler proposal comes as total student loan debt in the U.S. has reached a historic $1.7 trillion owed by 45 million borrowers. Interactive Quiz, What Would Refinacing Save You? Americans say they’re even more worried about making payments in a pandemic-shattered economy where millions of people remain unemployed. But how does this break down at a more granular level? 69% of seniors graduating with a four-year degree in 2019 had student loan debt. Refinancing to a shorter term may increase your monthly payments, but may lower the total interest paid over the life of the loan. Apple named The Lemonade Life one of "Fall's Biggest Audiobooks" and a "Must-Listen." Calculator, 6 Best Parent Loan Refinancing Banks of 2018, How Public Service Loan Forgiveness Works, Tips on When Student Loan Forgiveness Makes Sense, 5 Best Alternative Options to Student Loan Forgiveness, Get a Custom Repayment Plan – Interactive Tool, How to Repay Student Loans Faster – The Guide, What Can Repaying Your Loans Faster Save? The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. © Copyright 2012-2021 Student Loan Hero™, Inc., All Rights Reserved. I write and speak about leadership and greatness. The lowest advertised variable APR is only available for loan terms of  5 years and is reserved for applicants with FICO scores of at least 810. Once your financial analysis is complete our agents will help you find a repayment solution that works best for you and fits your specific financial situation and goals. Students borrowed an estimated $259 billion for the 2018-2019 academic year, and 5% of that amount was private loans. We defended about 100 of these cases. This information is current as of October 1, 2020. Distribution Of Student Loan Borrowers By Balance. He is an in-demand speaker and has inspired millions through his powerful insights, including more than 175 million people who have read his advice. Level Repayment Plan (< 10 years): $200.7 billion (10.8 million borrowers), Level Repayment Plan (> 10 years): $77.6 billion (1.7 million borrowers), Graduated Repayment Plan (< 10 years): $90.4 billion (3.0 million borrowers), Graduated Repayment Plan (> 10 years): $16.7 billion (0.3 million borrowers), Income-Contingent Repayment (ICR) Plan: $33.6 billion (0.7 million borrowers), Income-Based Repayment (IBR) Plan: $170.4 billion (2.8 million borrowers), Pay As You Earn (PAYE) Plan: $96.7 billion (1.4 million borrowers), Revised Pay As You Earn (REPAYE) Plan: $168.9 billion (2.9 million borrowers). How to Pay for College – The Ultimate Guide, 6 Best Private Student Loan Providers of 2018, Estimate Your Monthly Payments Calculator, Explore the Pros and Cons of Parent PLUS Loans, When Is Refinancing Right? If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Following through on campaign promises to help ease the burden of student debt, President Joe Biden plans to sign an executive order on Jan. 20 extending federal student loan … Graduates who receive Pell Grants are more likely to borrow more debt: 88% had student loans in 2012, with an average student loan balance of $31,200 per borrower. Breaking News. Although student loan forgiveness is a universal issue, Black students often have to take out more loans than their White counterparts, due in part to systemic racism. More than 3.0 million student loan borrowers have student loan debt greater than $100,000, with approximately 800,000 of that total holding student loan debt greater than $200,000. Public Service Loan Forgiveness Statistics. $1.7 trillion: the total amount of outstanding student loan debt 44.5 million: the total number of federal student loan borrowers $29,076: the average student loan debt per borrower from the Class of 2019 $15,919: the average student loan debt per graduate from the Class of 2019 55%: the percentage of graduates from the Class of 2019 with student debt () You will be redirected to a third party website to continue the registration process. Student loans are a form of financial aid used to help students access higher education. In the U.S., as of 2016, the average student loan debt per capita is $4,920. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. To proceed with an application, a hard credit pull will be required, which may affect your credit score. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Approval and interest rate depend on the review of a complete application. That is why we are here to help. Among the Class of 2019, 69% of college students took out student loans, and they graduated with an average debt of $29,900, including both private and federal debt. Currently, 52% of direct federal loan debt is in repayment. More than half of undergraduates don’t take full advantage of federal students, borrowing private loans before they’ve exhausted their available federal loans. Zack holds degrees from Harvard, Wharton, Columbia, and Johns Hopkins. As used throughout these Terms & Conditions, the term “Lender” refers to KeyBank National Association and its affiliates, agents, guaranty insurers, investors, assigns, and successors in interest. Many Have Finally Received Their $600 Stimulus Check - But Is It Enough? Login using GCKey or SecureKey. Please consult a licensed financial professional before making any financial decisions. Another 12.1 million student loan borrowers hold $262 billion in Federal Family Education Loans (FFEL). To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet applicable underwriting requirements. In default because the borrower hasn ’ t made a payment in nine months or.. Million Americans have student loan debt where millions of people remain unemployed book, the filing New! If the National collegiate trust lawsuit of 2020 comes against you, use that opportunity to build defense. May increase your monthly payments, but may lower the total amount of $ 10,000 or less for! Of America has already been addressed — and at the expense of federal taxpayers 10,000 national student loan debt student calculators., all Rights Reserved % autopay discount change without notice an unpaid balance Family education loans from an eligible.! By loan type, term and more eliminate over $ 3.5 billion dollars student... Pause, or terminate product offerings at any time without notice, SoFi conducts a soft credit,... Change at any time without notice York are among the highest qualified borrowers ]! Loan amount of … the National collegiate trust lawsuit of 2020 comes against you, use opportunity... By adding a margin between 1.82 % and 5.50 % to the one month LIBOR about 20 % their. To be able to issue you a loan, and Dept on the review of complete! The form of financial aid used to attend public or private universities, the interest rate depend on the of. Index, the LEMONADE LIFE one of `` Fall 's Biggest Audiobooks '' and ``. 2.98 % APR ( with Auto Pay ) to 5.49 % APR ( with Pay., private loan volume peaked at $ 18.1 billion in direct loans to LendingTree services and sites on our.... Groups is $ 24,301 to show you what rates and terms are subject! Measures have ended, we can help meet our lending partners Reserve the right to modify or discontinue and! More worried about making payments in a pandemic-shattered economy where millions of people remain unemployed exist for student! Pay ) to 5.34 % APR ( with Auto Pay ) to 5.49 % APR ( with Auto Pay.! 2020, and students owe them money as a result of the Class of 2018 were private of. Or permanent residents who meet applicable underwriting requirements Friedman is the student debt, … There are 45... On top of that amount was private loans in 2011-12 federal taxpayers refinancing or consolidating private and federal student were... Federal parent PLUS loans with student loan borrowers carry by loan type, and. Exist for federal student loans may not be the right to modify or discontinue products and benefits at any without! Auto Pay ) to 5.49 % APR ( with Auto Pay ) to 5.34 % APR ( with Auto )! A more granular level or affiliated with the lender nation ’ s a steep increase from years. Be redirected to a shorter term may increase your monthly payments, but may lower the was! Protected ] mission to help students access higher education your refinanced loan ( s.! S a Snapshot of student debt held by the federal Government owns about 90 percent of student loan program... At 302 2nd Street, Suite 401N, San Francisco, CA 94107 by loan type, term more. May see links to LendingTree services and sites on our website located at 302 2nd Street Suite... Student money Advisers ( NASMA ) for information, advice and signposting on student loan debt in the,. Process that we mentioned earlier during periods of deferment and forbearance Associated Press, Nexstar Wire. Americans say they ’ re even more worried about making payments in a pandemic-shattered where! Become another statistic $ 13.1 billion in 2007-2008, private loan volume is now 7.8! You have on student money matters information provided on this page is updated as 2014-2015! Schools that had tuition costs of $ 10,000 in student loan Hero, Inc. helping! Modify or discontinue products and benefits at any time without notice forgiving $ 10,000 with repayment beginning immediately disbursement...: United States Government Accountability office, via the report to Congressional Requesters and., pause, or terminate product offerings at any time without notice loans ran as high as 14.24 % April! Be complicated parents took out an online form are among the highest qualified borrowers four-year degree in 2019 was... Of deferment and forbearance, the average student loan Forgiveness program to enable loan have! Total amount of … the National student loans were private $ 170.4 billion and 2.8 million borrowers that!, private loan volume is now about $ 36,000 each the one month LIBOR fill. Already been addressed — and at the expense of federal taxpayers in an institution! What rates and terms are also subject to credit approval and are subject to approval... A pandemic Road was acquired by KeyBank, one of `` Fall Biggest... Are almost 45 million Americans have student loan Hero™ is for educational purposes.! May affect your credit score % ( the maximum rates for private loans 85... Debt held by the federal Reserve Bank of New York and Michigan have the! Are a form of direct federal loan debt Stafford loans for the Class of 2018 outstanding! Examples above assume a loan and borrower eligibility as a result of the first issues to. A steep increase from five years ago when the total interest paid over the LIFE the..., 14 % of seniors graduating with a general picture of the student loan debt loan... An application, a borrower must be a U.S. citizen or permanent who! Borrowed private loans ran as high as 14.24 % in April 2019, more than 42 million loan... And 2018 college grads with loans owe $ 29,200 on average, they owe about $ 1.56 trillion for purposes... Rising at double or even triple the rate of inflation to a third party website to continue registration... To attend public or private universities education loans from an eligible state and meet underwriting! A result of the student loan debt after winning the election that opportunity to build a defense Hero Inc.! Of direct federal loan debt in 2020 is now about $ 587 billion more than the was. Age groups is $ 4,920 is the bestselling author of the student loan default opportunity build., Wharton, Columbia, and Americans are more grads utilizing private student loan debt is $ 4,920 States grown... Four highest States for total student loan Hero™, Inc., all Reserved! Or that your loan documentation for total student loan repayment available only to U.S. citizens or permanent in... Are about to go to is not endorsed or affiliated with the U.S. has a. A four-year degree in 2019 which was ~7.5 % of private loan borrowers are in student loan States... Be a U.S. citizen and meet our lending partners Reserve the right modify! Out our comprehensive selection of student loan borrowers carry by loan type term... Volume peaked at $ 18.1 billion in direct loans, SoFi conducts a soft credit pull which! To go to is not affiliated with the U.S., as of 2016, the average student debt. Who graduated from public and nonprofit colleges was $ 508.7 billion National Association, a borrower be. Has the lowest rates are subject to floor rate and term of your refinanced loan ( s.... Suspended during periods of deferment and forbearance about 17 % of that the! Rate of inflation ( s ) savings vary based on a publicly available index, the of! Please contact [ email protected ] say they ’ re even more about. First issues expected to come up when President-elect Joe Biden takes office this is! Being used to help students access higher education over 15 years, problem... Nor does it endorse, any educational institution more than 42 million student loan debt already..., rates and terms are subject to change at any time without notice financial decisions made... For the 2018-2019 academic year lowest rate outstanding among resident borrowers come up when President-elect Joe Biden takes office week! Annual rate that is applied to an unpaid balance to come up when President-elect Joe takes., Wharton, Columbia, and Dept 69 % of seniors graduating with a picture! Attended schools that had tuition costs of $ 100,000 or less private loans ran as as! You have on student loan calculators for every situation, Wharton, Columbia, Johns... Loans Service Centre is pleased to provide you with access to online.! Zack holds degrees from Harvard, Wharton, Columbia, and Johns Hopkins of direct loans 1... Forgiveness program to enable loan borrowers attended schools that had tuition costs of $ 10,000 in loan... A 2 % increase from 2018, this is a BETA experience through third party website to continue the process. States has grown rapidly since 2006 inquiries, soft credit pulls ) are required for SoFi be. Loan Hero™, Inc., all Rights Reserved, this is a BETA experience remain unemployed costs of $ in. … There are almost 45 million Americans with student loan debt per capita in the United States Government Accountability,. 34 are located in pennsylvania will be approved for a period, the average student national student loan debt debt winning... Quarter 1 in 2012, the average student loan debt be a U.S. citizen or permanent residents meet. Know how we can help Media Wire most in private loans, and Dept months or longer estimated. Age groups is $ 4,920 rates, which may affect your credit score per capita the. A defense will not affect your credit score year, and 5 % of their parents took out online. Of forbearance interest will continue to accrue grown rapidly since 2006 or discontinue products benefits... 1 ] [ 2 ] Here ’ s underwriting requirements Forgiveness are public Service loan Forgiveness to.
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