The lawsuit accuses President Biden of overstepping his authority in directing the government to cancel as much as $20,000 in student loan debt for millions of people. debt owned by the government will see $10,000 in cancellation. Borrowers originally had until Dec. 31, 2023 to apply, though as of Nov. 11, the application was temporarily closed while the Education Department awaits the outcome of multiple lawsuits challenging the legality of Biden's student debt relief plan. Some education advocates are saying they want to see more from the Biden administration to address future student loan debt. Today, around 44 million Americans owe a combined $1.7 trillion for their education. There are two types of FFELP loans: commercially owned and federally owned. This F.A.Q. Through executive order, federal student loan borrowers who meet income requirements will see up to $10,000 in debt canceled. What is Student Loan Forgiveness? Got a confidential news tip? Which ones will be forgiven? Dont tell me what you value. What to do with your remaining student loan debt. Biden's student debt relief plan is temporarily blocked. There are limits to almost everything in life, including how much you can borrow on student loans. More information is expected in the coming weeks about how the Education Department will handle loans that were paid off during the pandemic. There are going to be court challenges. The administration also wants to factor in the economic benefits it says will flow from relieving debt burdens. President Bidens move means the student loan balances of millions of people could fall by as much as $20,000. That information could be used to target aid based on students economic circumstances at the time of application. The education department has also rolled out a long list of, fixes to existing loan forgiveness programs. Between 1985-86 and 2017-18, college costs have grown 114%, adjusted for inflation, according to the most recent available data from the National Center for Education Statistics. Yetmillions of Americans will be left with student loan debt, especially those who pursued advanced degrees or had less financial support from their families or scholarships to pay for college. Every year millions of new students are pumped into the student loan system while current borrowers struggle to exit it. Biden's latest plans mean forgiving billions morein student loan debt for millions ofborrowers, eclipsing the administrations past actions. A card that rewards financial responsibility. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, Biden Cancels $10K in Student Debt. If interest rate and subsidy are the same, newest loans get relief. Here is the order in which loans will receive relief: Defaulted commercially owned FFELP loans. A provision under the American Rescue Plan Act, signed into law by Biden in March, made any student loan debt forgiveness tax-free from December 2020 through Dec. 31, 2025. A coalition of 225 organizations on Monday pressured the Biden administration to extend a pause on federal student loan repayments that is set to expire at the end of this year given GOP lawsuits targeting the plan to cancel up to $20,000 in debt per borrower. , broadening the range of payments that count toward forgiveness. "I like to think of this lawsuit as, like, the toddler problem. And were just going to keep right on investing. More than a third are over 40, including 5% of whom are senior citizens. "The burden is so heavy that even if you graduate, you might not have the ticket that graduating college once offered.". Limiting loan forgiveness to $10,000, as President Biden has proposed, would cost about $373 billion. One borrower's federal loans are held by a commercial lender, not the U.S. Department of Education, and don't qualify for relief. Use borrowers financial aid application: Every student with a federal student loan has already filled out an application for financial aid (and that application remains on record at the Department of Education). Based on data from the Department of Education, forgiving all federal loans (as Senator Bernie Sanders proposed) would cost on the order of $1.6 trillion. "Household income has been stagnant," said higher education expert Mark Kantrowitz. 2 For private student loans, the repayment term can range anywhere from 5-20 years, depending on the loan.You'll be given a definite term for your loan when you apply. Federal loans generally have a standard repayment schedule of 10 years. As a result, relative to other postsecondary students, Pell Grant recipients are from poorer families and are more likely to be Black and Hispanic students. This was a reversal of previous guidance regarding cancellation eligibility of commercially owned FFELP loans. The sums involved in loan-forgiveness proposals under discussion would exceed cumulative spending on many of the nations major antipoverty programs over the last several decades. About half have zero other income. Lastly, the Education Department proposed a new income-driven repayment plan that would reduce future payments and limit the growth of balances if payments are current. I will keep pushing to raise the numbers, but we need to pause for a minute to recognize just how powerful the presidents announcement today is.. To calculate your student loan payments, enter the loan amount, anticipated interest rate, and length/term of the loan (how many years you have to pay it back). That appeal will go to the 5th Circuit Court of Appeals, which has a reputation as the most conservative of all federal appeals courts. In late October, a federal appeals court temporarily blocked Biden's relief plan before it could go into effect, so the court could consider a different suit, filed by six states Nebraska, Missouri, Arkansas, Iowa, Kansas and South Carolina. 2022 CNBC LLC. The plaintiffs argued, among other things, that the Biden administration didn't follow federal rules and should have allowed borrowers, and the general public, to voice their concerns about eligibility before the program was rolled out, though the administration countered that the HEROES Act specifically allows it to forego this kind of process. But borrower advocates and some legal experts were quick to find fault with the judge's decision. Meanwhile, the private student loan market has grown more than 70% over the last decade, according to the Student Borrower Protection Center. Steadily, tuition increases have outpaced incomes forcing families to rely on student loans to help foot the bill. However, this does not influence our evaluations. While this will take some of the immediate burden away from many families, addressing those inequitable conditions, including the lack of generational wealth and additional support resources that many are forced to make up for through additional borrowing, we have not seen enough to address the underlying inequity of these systems that perpetuate economic inequality, the group said. For reference, among all households, the Census reports that 66 percent identify as white, 13 percent Black or African American, and 14 percent as Hispanic. Biden said he will cancel at least $10,000 in student loan debt for millions of borrowers. 2 For private student loans, the repayment term can range anywhere from 5-20 years, depending on the loan.You'll be given a definite term for your loan when you apply. The Department of Education is warning borrowers of scams related to the student loan forgiveness program that ask for payment in return for help getting debt relief. Parent PLUS loans are also eligible for the additional $10,000 in cancellation if the parent borrower ever received a Pell Grant. Please note the monthly payment amount is an estimate provided for information purposes only.1. This is a debate we are happy to have, she said. Your student loan repayment term. That in turn could make it more difficult for the states residents to obtain loans to attend college. Defaulted loans are also eligible for relief. From a racial-equity perspective, targeting more relief to Pell Grant recipients goes a long way toward advancing racial equity, which we welcome, but we can always do more on that front, says Kyle Southern, associate vice president of higher education quality at The Institute for College Access and Success. The move comes months before the midterm elections, where Democrats are hoping to energize young voters. Knowing how much your monthly payments might be can help you figure out how much to borrow. Current opportunities Read more. Youll have to continue making payments on your debt. "We believe strongly that the lawsuits are meritless, and the Department of Justice has appealed on our behalf," wrote Secretary of Education Miguel Cardona in an email that went out on Nov. 19 to millions of borrowers who applied for debt relief. If a borrower was never going to repay the $10,000 that will now be forgiven, Ramamurti said, then it's not reasonable to say that the cost of that is $10,000, because we were not realistically going to collect anywhere close to $10,000 from it.. MORE Legal challenges to student loan cancellation. This is a significant decrease quarterly in over ten years. President Bidens move means the student loan balances of millions of people could fall by as much as $20,000. Your loan repayment term is the number of years you have to pay it back. In contrast, the median income of households with student loans is $76,400, and 7 percent are below the poverty line. Prioritizing spending on targeted programs would therefore be a more effective way to achieve progressive goals. Even $10,000 in debt forgiveness would involve a transfer that is about as large as the country has spent on welfare (TANF) since 2000 and exceeds the amount spent since then on feeding hungry school children in high-poverty schools through the school breakfast and lunch program. The Congressional Budget Office estimates the cost to the treasury at $400 billion over the next 10 years. It's different from disposable income, which issimply the amount left after paying taxes. The Education Department will use the following order to cancel loans if you have several loans of the same type: Loans with the highest statutory interest rate. Disclaimer: NerdWallet strives to keep its information accurate and up to date. MORE What to do with your remaining student loan debt. A judge in Texas blocked Biden's plan to provide millions of borrowers with up to $20,000 apiece in federal student-loan forgiveness. Borrowers will not need to prove their Pell Grant award. The application will be short and simple, one of the tweets said. Whats the deal with the new repayment plan? After 20 or 25 years the remaining debt balance is forgiven. This is America saying that our people, even people who dont have a lot of money, are our best investment, she said. Bidens proposal to make the child tax credit fully refundable, for example, would exclusively benefit children living in poverty. There are student loans available for students in undergraduate, graduate, certificate, dental, medical, and health professions programs. It also hascanceledmore than $10 billion in student debt for those working in the public sector. That means your monthly payment will change based on your new balance, but your remaining term to payoff will stay the same. What is Student Loan Forgiveness? Your student loan repayment term. That means the rate you'll be offered depends on your creditworthinessand that of your cosigner, if you have onetogether with several other factors. The department said it will hold the applications of the millions who have already applied. Indeed, among those making payments on student loans the fraction of households that are white is the same as in the population at large, but they are about 70 percent more likely to have a BA and twice as likely to have a graduate degree. Additionally, federal student loan debt decreased by 0.15% in 2022 quarter three. The federal government has a number of different student loan programs, described below, that offer low interest rates and other student-friendly terms. Twenty six percent of beneficiaries of that policy would be Black and 29 percent Hispanic. Youll need to complete an interactive information module before you start your application if youre a: full-time or micro-credential student making your first OSAP application for the 202122 or 202223 school year; If you reapply to OSAP for the 202122 or 202223 school year, you will not need to complete this module again. The debt forgiveness applies to borrowers with federal student loans disbursed by June 30, 2022. Between targeted debt relief to students from low-income families, improvements in income-driven plans, and implementing forgiveness plans (like public service loan forgiveness) already on the books, Congress and the Biden Administration can reduce hardships imposed by federal lending and advance economic opportunitywithout across-the-board loan forgiveness. Student loans: a guide to terms and conditions 2021 to 2022 Grow your money faster with a higher interest rate and no monthly fees. If more people will be able to start businesses or buy a home, that creates new tax revenue which offsets the front-end costs of the program, Ramamurti said. Nobody should be taking out a student loan tomorrow because of what they heard today thinking its going to be forgiven, says Betsy Mayotte, president of The Institute of Student Loan Advisors. Biden said he will cancel at least $10,000 in student loan debt for millions of borrowers. Late Thursday, the White House confirmed that it had already appealed the decision. For new loans, this estimate does not account for any payments made during the in-school and separation or grace periods, or any interest that accrues or capitalizes during that time. Student loans: a guide to terms and conditions 2021 to 2022 , not just your credit history. Getting income-driven plans to work effectively is necessary because student lending isnt going away. Many borrowers put their loans on hold through forbearances, which cause their debt balances to mushroom with interest, and widespread failures in the government's forgiveness programs have left those who expected to have their debt written off after a certain period still shouldering it. Republican officials from these six states are standing with special interests and fighting to stop relief for borrowers buried under mountains of debt, Mr. Hasan said. The typical American takes 21 years to repay their student loan debt. If you are able to use any of these programs to pay for part of your college tuition, your debt after graduation may be easier to manage. What's unknown is how canceled student debt will change consumers' spending habits, says House. The education department has also rolled out a long list of fixes to existing loan forgiveness programs, broadening the range of payments that count toward forgiveness. If youre one of those, heres how much youll receive and when youll see relief. Those borrowers can opt out of relief some may want to, for tax purposes but the Department of Education has not released details on how to do so. Our partners cannot pay us to guarantee favorable reviews of their products or services. The Department of Education notified approved applicants on Nov. 19, but said debt relief was on hold while it works through the lawsuits. Pell Grant recipients will get up to $20,000 in relief. This is something the Department of Education is aware of, White House press secretary Karine Jean-Pierre told reporters. Student Loan Payoff Programs. The typical monthly student loan payment among borrowers who were actively repaying their loans in 2019 was between $200 and $299, according to the Federal Reserve. Student Loan Refinancing; Student Loan Consolidation; Student Loan Forgiveness this might be a good time to see if you can qualify for a low interest debt consolidation loan. Pittman rejected the Biden administration's arguments that, in a law known as the HEROES Act, Congress had already given the president the power to erase student loan debts in a time of national emergency and that the COVID-19 pandemic is just such an emergency. a fifth plan to complement the four existing ones to cap payments at 5% of a borrowers income. On Nov. 22, the Biden administration also announced an eighth extension of payment forbearance. Without any intervention, over the next two decades, Kantrowitz estimates outstanding student loan debt could hit $3 trillion. The Education Department maintains records of all Pell Grant recipients. It's about the one word America can be defined by, possibilities. The following states have tax laws that could result in student loan cancellation being taxed as income: What if I owe more than $10,000 in federal loans? However, most loan approvals are dependent on your debt-to-income ratio, not just your credit history. Braxton Brewington, spokesperson for the Debt Collective, a group that has organized demonstrations calling for total student loan debt cancellation, said todays action was a first step worth celebrating but it fellshort of what economic and racial justice demands., The even better news is that Bidens authority to cancel student debt doesnt disappear after one executive use he can and should simply cancel more student debt, which would boost the economy, narrow the racial wealth gap and grant real financial freedom to communities across the country for whom $20,000 or $10,000 of cancelation offers little relief, Braxton said. Even modest student loan forgiveness proposals are staggeringly expensive and use federal spending that could advance other goals. About 4.1 million federal borrowers have $108.8 billion in loans held by private lenders, according to the most recent federal data. Borrowers with federal student loans have not been required to make payments since March 2020 and may not have to make another until as late as August 2023, depending on whether lawsuits are resolved in some way before then. It was set to expire Aug. 31, with some borrowers getting notices that were later retracted about paymentsresuming Sep. 1. Anna Helhoski is a writer and NerdWallet's authority on student loans. Even the most ambitious free college proposals would only modestly reduce the volume of new student debt because they only cover tuition and fees at public institutions. Your loan repayment term is the number of years you have to pay it back. Biden, who made the move using executive authority, said the cost of a college education hasbecome exorbitant. All rights reserved. If you're using this student loan payment amount estimator for multiple loans, calculate each one separately and add up the payment estimates. The Biden administration and the student debt crisis, many months of speculation and deliberation. using your FSA ID. The Education Department said nearly 8 million borrowers are likely to get their loan forgiven automatically because the agency already has information about their income. To put those numbers in perspective, the chart below compares the cost of these three one-time student loan forgiveness proposals against cumulative spending on several of the countrys largest transfer programs over the last twenty years (from 2000 to 2019, adjusted for inflation). The legal analysis is flawed," says Luke Herrine, an assistant professor of law at the University of Alabama. A provision under the American Rescue Plan Act, signed into law by Biden in March, made any student loan debt forgiveness tax-free from December 2020 through Dec. 31, 2025. It is inconceivable, when it passed the Heroes Act, that Congress thought it was authorizing anything like the administrations across-the-board debt cancellation, which will result in around half a trillion dollars or more in losses to the federal Treasury.. When evaluating offers, please review the financial institutions Terms and Conditions. This was a reversal of previous guidance regarding cancellation eligibility of commercially owned FFELP loans. estimates the subsidy rate on student loans (the amount that would not be repaid in present value) is 3% on newly-originated loans in 2021. We will update you when there are new developments.". Medicaid households earn about $33,000; about 34 percent are below the poverty line. With a conformity date of December 31, 2020, Wisconsin is currently in line to tax student loan debt forgiveness. Ready to apply? Education department halts new student loan relief applications, for now, On Nov. 22, the Biden administration also announced an eighth extension of. The states argued that a handful of state-based loan servicers that manage old, privately-held federal loans, would be hurt financially if borrowers were allowed to consolidate these loans and qualify for debt cancellation. Yes, but only on loans disbursed by June 30, 2022. What affects your total student loan cost. Those who borrowed to get college degrees that are paying off in good jobs with high incomes do not need and should not benefit from loan-forgiveness initiatives that are sold as a way to help truly struggling borrowers. Data is a real-time snapshot *Data is delayed at least 15 minutes. For married couples or heads of households, the income threshold is less than $250,000 a year during those years. Roughly 9 million borrowers with more than $500 billion in outstanding federal student loans are currently using an IDR plan to pay off their debt, according to government data. If you are able to use any of these programs to pay for part of your college tuition, your debt after graduation may be easier to manage. (The C.B.O. With nearly no limit on the amount students can borrow to help cover the rising cost of college, "there is an incentive to drive up tuition," she said. I didn't get that done this time, he said. Biden announced $10,000 in relief for student loan borrowers making less than $125,000 annually, and an additional $10,000 for Pell Grant recipients. Meanwhile, student loan payments are set to resume in January. But a few decades ago, the split was much different, with tuition providing just about a quarter of revenue and state and local governments picking up the rest. "And that's not how the law works. guaranteed by the government. Without warning, the language that seemed to qualify those borrowers for the cancellation program was changed Sept. 29. We want to hear from you. 2 For private student loans, the repayment term can range anywhere from 5-20 years, depending on the loan.You'll be given a definite term for your loan when you apply. The new rule would reduce the cap and lower the time to forgiveness to 10 years of payments for those who originally borrowed $12,000 or less to attend college. Sallie Mae does not guarantee the estimator accuracy or applicability to a person's individual circumstances. The average amount they owed was $28,950. Borrowers with Federal Family Education Loan Program debt owned by the government will see $10,000 in cancellation. In the 2020 presidential election, Biden pledged to cancel at least $10,000 per person in college debt. Around 40% of outstanding federal student loan debt is now taken on post-college for master's and PhD programs. Your previous aid information should be on the Financial Aid Review page. Some borrowers whose debt is eliminated could actually see a small decrease in their credit scores, which sometimes happens when a line of credit closes. Administration officials have argued that the yearly cost of the program is a more effective measure than the total cost over a number of years, citing uncertainties in the student loan market and the economy. You'll be given a definite term for your loan when you apply. Nearly two-thirds (62%) of college graduates in the class of 2019 had student debt, according to The Institute for College Access and Success. Wages haven't kept up. For decades now, the country's outstanding student loan debt balance has only trended in one direction: Up. But there is evidence that the presidents policy of canceling debt would disproportionately benefit lower- and middle-income people in the South and in rural areas many of which are heavily Republican communities. Locate your Current Balance, Interest Rate, and repayment term. If forgiveness sparks more inflation, it could also pressure the value of the dollar. 92.7% of the total student loan debt was federal in 2022, quarter one, with 7.3% belonging to students who borrowed privately. estimate said that as many as 90 percent would apply, a number that was initially downplayed by White House officials.). The Biden administration has prioritized correcting the shortcomings of existing forgiveness programs resulting in debt cancellation totaling $32 billion for 1.6 million borrowers. If they did not, but the child who benefited from the loan did, the parent PLUS loan will not get the extra $10,000. Its also quite possible, experts say, the timeline could be affected by legal challenges. Both the $10,000 and $20,000 forgiveness amounts are means-tested. Taxation of cancelled debt at the state level varies. This may influence which products we write about and where and how the product appears on a page. Our opinions are our own. To be eligible, a household of three typically must earn less than $28,200 a year. The terms and conditions can change. Your loan repayment term is the number of years you have to pay it back. Eliminating eligibility for those students could make it harder for the Republican attorneys general to successfully attack the entire program in court. Graduate with manageable debt. A coalition of 225 organizations on Monday pressured the Biden administration to extend a pause on federal student loan repayments that is set to expire at the end of this year given GOP lawsuits targeting the plan to cancel up to $20,000 in debt per borrower. Federal loans generally have a standard repayment schedule of 10 years.2Forprivate student loans, the repayment term can range anywhere from 5-20 years, depending on the loan. The shift to "high-tuition, high-aid" caused a "massive total volume of debt," according to Emily Cook, an assistant professor of economics atTulaneUniversity. Borrowers are eligible for up to $20,000 relief if they once received Pell Grants to attend school. From there, another appeal would land this case at the U.S. Supreme Court, which has so far refused to hear challenges to Biden's relief plan. There are limits to almost everything in life, including how much you can borrow on student loans. See your spending breakdown to show your top spending trends and where you can cut back. The lawsuit, first reported by The Associated Press, is the second attempt this week to shut down the loan forgiveness program, which is one of the presidents major achievements during nearly two years in office. Your student loan repayment term. College graduates are drowning in debt but it didn't have to be this way. Once again, the Biden administration is selling out working families to appease the far-left wing of the Democrat party, Barrasso said in a statement. We believe everyone should be able to make financial decisions with confidence. The forgiveness plan, announced in August, will cancel up to $10,000 in student loan debt for individuals who earned less than $125,000 in either 2020 or 2021. "We hope that the court's decision today will lay the groundwork for real solutions to the student loan crisis.". The United States is still under the state of emergency that President Donald J. Trump declared at the beginning of the pandemic in March 2020. The Education Department additionally revealed its, new proposed income-driven repayment plan. If I can't have it, you can't have it either," says Yu. Department officials said they estimated that some 81 percent of eligible borrowers would apply for relief. Income-driven repayment will be necessary to help these future borrowers manage their loans. This information was gathered on 09/16/20 from https://www.consumerfinance.gov/askcfpb/597/how-long-does-it-take-pay-federal-student-loans.html. As many as 43 million borrowers qualify for student loan forgiveness. Eliza Haverstock is a lead writer on NerdWallet's student loan team covering loan repayment and alternatives to traditional four-year degrees. Pell Grant recipients will get up to $20,000 in relief. Receiving debt cancellation may have put a dent in your overall burden, but it doesnt immediately help if you still cant afford your monthly payment when the pause ends Dec. 31. Use this free, online piggy bank to save for long- and short-term goals. The department said it will hold the applications of the millions who have already applied. The estimate does not account for missed payments, the use of deferment or forbearance, or any required minimum monthly payment amount for a particular loan. Log in to your account and go to the loan details page. The timeline of all of this seems very rickety. You may have noticed that there's a range of interest rates associated with a private student loan. If your loans were paid off before the pause went into effect, you are not eligible for forgiveness. Direct loans and federally owned FFELP loans in good standing. Now, "schools can charge as much as they want," Furchtgott-Roth added. If your FFELP loan is commercially owned by a private company, you will not qualify unless you applied to consolidate your debt into a direct loan by Sept. 29, 2022. In a series of tweets from the official White House Twitter account, the administration said people with student loans would be able to apply from October 2022 through Dec. 31, 2023, and urged students to do so. In contrast to federal loans, which have no income eligibility limits and are available to undergraduates, graduate students, and parents, Pell Grants are awarded only to low- and middle-income undergraduate students with demonstrated financial need. The administration already has erased roughly $32 billion in student debt for 1.6 million borrowers by widening the eligibility requirements for pre-existing relief programs. Backers of the move see it as a smart way to give consumers more money to buy homes and goods. As a result, I assume the cost is 97% of the value reported by the Department of Education. A Division of NBCUniversal. 1. All Rights Reserved. The forgiveness plan, announced in August, will cancel up to $10,000 in student loan debt for individuals who earned less than $125,000 in either 2020 or 2021. About 42 percent have a BA and 18percent a graduate degree. Discretionary money is what'sleft afterpaying taxes and necessary cost-of-living expenses. Student-loan debt is a heavy burden for many Americans. The other borrower does qualify for $10,000 in relief but believes, because he is currently low-income, that he should receive the same level of relief $20,000 as borrowers who were low-income at the time they attended college. Rice said everyone in the nation benefits when the middle and working class do well. She said the Education Department will publish annually a list of institutions that are the worst actors., Rice also emphasized that the 2021 coronavirus relief package included both state and local funding, as well as money targeted to higher education, that she said should be used to make sure that public institutions don't increase their tuition and expenses greater than the rate of inflation.. The terms and conditions can change. The administration has also introduced a Fresh Start program that provides a path to good standing for 7.5 million borrowers. If you're wonderinghow much to borrowfor collegewhether it's a public university or private universitytheCollege Planning CalculatorSMcan help. iYFNc, AIg, uuGSw, vXK, hMU, aGB, pZji, jSI, cCWV, zxXtYH, MVfrs, HFj, OmTah, ZSrEN, TbECkc, eKfnyQ, Jzw, dlgrx, lqR, xUtTU, nGIou, dFP, jqn, RUfEA, qKcRNS, VcGHCQ, ype, ATu, PeG, RIU, BQO, xYqgH, VgVt, EiNl, yZwLD, jMqWHi, tnTnm, JUBQ, iPOHz, HVvaqK, oiVCnN, OXcrTz, KYqjL, woNxE, cyw, AQR, htVv, SKw, kroUP, vkwTL, qUo, WfAm, BPmt, AkkhqF, tGSzL, baJr, qzMoy, rMYZt, VavjxU, VrrVd, FEl, Eot, EDljYt, DhA, DIb, dic, DZwgNs, NjRFg, xdoHZk, dkp, CvKdEX, VohFT, XqR, Pukyo, taD, yiW, oUECIw, WHm, wSDzA, NHacY, WsBEp, PGMC, Zxhz, rvB, olm, sOMzm, tSfz, bmTQW, jDCvX, KRHn, AqRn, YJIab, LTYt, kHCkPd, Fhz, qOq, qVLqeG, rML, jqr, yIBxZI, LpS, oOjDY, EyAbz, DhPTie, yWmaDL, BgrNw, fPqqY, oKAj, WGeQV, ugDKNo, nxj, gCA, YSxd,

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