Federal Direct Loan Eligibility The following eligibility requirements must be met in order to qualify for a Federal Direct Student Loan in addition to filing the FAFSA Half-time enrollment at a qualified organization, such as for example MTSU, in a qualified level looking for undergraduate or graduate program (Graduate Certificate programs are not eligible) Be described as a U.S. Resident or eligible non-citizen Preserve Satisfactory Academic Progress (SAP) Never be in default for a educational loan or overpayment on a academic grant Not need Title IV student education loans that exceed the yearly or aggregate loan restrictions Direct Loan limitations Eligibility for several Federal Direct Loans would be according to price of attendance, the Expected Family Contribution (EFC) as dependant on FAFSA, other help received, as well as the loan restrictions set by the U.S. Department of Education. Pupils may never ever be eligible for a significantly more than the expense of attendance for the university or perhaps the yearly loan restriction. The charts below show the amounts that are maximum may borrow. Undergraduate loan limitations for reliant students Freshman (0-29 Hours) Sophomore (30-59 HOURS) Junior (60-89 hours) Senior (90+ hours) Maximum Subsidized $3,500 $4,500 $5,500 $5,500 Unsubsidized $2,000 $2,000 $2,000 $2,000 Total $5,500 $6,500 $7,500 $7,500 Undergraduate loan limitations for independent pupils or reliant pupils with a Parent PLUS denial FRESHMAN (0-29 HOURS) SOPHOMORE (30-59 HOURS) JUNIOR (60-89 HOURS) SENIOR (90+ HOURS) Optimum Subsidized $3,500 $4,500 $5,500 $5,500 Unsubsidized $2,000 $2,000 $2,000 $2,000 Unsubsidized that is additional $4,000 $5,000 $5,000 Total $9,500 $10,500 $12,500 $12,500 Federal Direct optimum aggregate limitations Dependent Undergraduate Independent Undergraduate $31,000 (a maximum of $23,000 of which are often subsidized) $57,500 (a maximum of $23,000 of and this can be subsidized) Additional degree that is bachelor’s Undergraduate pupils enrolled at half-time that is least while taking coursework toward yet another bachelor’s level may be eligible for a Federal Direct scholar Loan offered they’ve perhaps perhaps maybe not reached their aggregate limitation. Before that loan could be processed and/or disbursed, you have to submit a request Federal educational funding for extra Coursework kind to your MT One avoid. Instructor’s certification Pupils who possess completed an undergraduate level and so are enrolled when it comes to single function of attaining instructor licensure might be qualified to receive Federal Direct student education loans during the undergraduate level, supplied they will have maybe not reached their undergraduate loan limit that is aggregate. To get help, you should be enrolled at half-time that is least in necessary teacher official official certification coursework. You have to submit a copy of the system of learn and an obtain Federal school funding for extra Coursework kind towards the MT One avoid. The annual optimum loan quantity available is really a Senior loan limitation for separate pupils. For reliant pupils taking care of a Teacher’s Certification program, the utmost loan quantity cannot exceed $5,500. Graduate education loan restrictions Federal Direct Loan Eligibility Graduate Annually Loan Maximum Unsubsidized $20,500 Total $20,500 Federal Direct Maximum Aggregate Limits Graduate $138,500 (a maximum of $65,500 of that can easily be subsidized) Graduate pupils needed to simply just take prerequisites that are undergraduate Graduate students that are expected to sign up for undergraduate courses to be admitted in to a graduate system may be eligible for Federal Direct figuratively speaking during the undergraduate degree, offered they will have perhaps perhaps perhaps not reached their aggregate undergraduate loan limits. If qualified, you may possibly get undergraduate loans for as much as at the most 12 consecutive months while signed up for these prerequisites. A Request for Federal Financial Aid for Additional Coursework form and either 1. ) a letter from the academic department or graduation analyst or 2. ) a copy of the candidacy form indicating which courses are required as prerequisites before the loan can be processed, you must submit to the MT One Stop. Graduate pupils and instructor official official certification Non-degree searching for graduate students that are focusing on a instructor licensure system can be qualified to receive Federal Direct figuratively speaking during the Undergraduate degree, offered they will have maybe maybe not reached their undergraduate aggregate loan limit. Before that loan could be processed and/or disbursed, the MT must be provided by you One end with a duplicate of the system of research plus the obtain Federal school funding for extra Coursework kind. Federal Direct Education Loan application procedure Complete the Free Application for Federal Student help (FAFSA) As soon as your FAFSA happens to be prepared, you are going to be given a student that is valid Report (SAR) that may summarize all the information you provided on your FAFSA as well as your federally determined Expected Family Contribution (EFC) which is used in determining your eligibility for federal pupil help. An electric content of one’s SAR will automatically be provided for any office of educational funding associated with school(s) noted on your FAFSA. As soon as your aid that is financial file been completed, the school funding workplace will inform you by campus e-mail to see your honors on PipelineMT. Federal figuratively speaking will either be“offered on the PipelineMT account or else you will have an alternative to submit a Loan Request Sheet. If Federal Direct student education loans are “offered” on PipelineMT, you will have the choice to just accept or decrease your education loan prizes and also have the solution to accept an inferior quantity than ended up being granted. Always accept a subsidized loan before accepting an unsubsidized loan! Please understand that it is important to know what your costs and resources will likely be for the future 12 months before accepting or refusing that loan. Never borrow a lot more than you’ll need! Then click ‘submit decision’ if you do not need a loan, select ‘Decline’ under the ‘Accept Award’ column and. One semester just loans will demand a Loan Request Sheet become turned in the MT One avoid. All borrowers that are first-time MTSU must complete an on line Loan Entrance Counseling before getting any loan funds. You have to finish your Federal Direct Loan Master Promissory Note (MPN) before loan funds can disburse on your account. As soon as finished, your MPN is typically legitimate for 10 years. You will receive a Notice of Guarantee and Disclosure Statement. That is your notice of loan approval, and it also contains information that is essential the conditions and terms of one’s loan. In addition informs you the quantity of your loan as well as an estimated date for the arrival of funds. Education loan funds are disbursed to reports around three times before classes start “if” most of the above steps have actually been finished. Pupils who possess subscribed to direct deposit will generally get a refund (if relevant) inside the week that is first of. Otherwise, education loan funds are disbursed to reports through the semester whilst the steps that are above finished, and students will get refunds as relevant. Federal Direct Loan Exit guidance The government requires all pupils who fall below half-time status, withdraw, graduate, or usually do not come back to MTSU (no matter if they intend to go to another college) to accomplish Exit guidance. Direct Loan Exit Counseling will provide you with important info about repaying your loan. Always monitor your student loan that is federal indebtedness! You will see your federal education loan history at nslds. Ed.gov. You’ll need your FSA password and username(FAFSA access information) to gain access to this website. Federal Direct PLUS Loan System The Federal Direct PLUS loan is a low-interest loan that is federally funded parents of reliant pupils as well as graduate pupils. These loans allow parents and/or graduate students with good credit records to borrow cash to cover expenses that are educational. The quantity of the mortgage may well not go beyond the expense of attendance minus other school funding the pupil will get. A moms and dad or graduate pupil (the debtor) is qualified to use if they is: The normal parent, adoptive moms and dad, or step-parent (If step-parent’s earnings and assets are believed in the FAFSA) of a qualified reliant Undergraduate student. Grand-parents, foster moms and dads, appropriate guardians, aunts and uncles aren’t considered moms and dads unless they will have lawfully used the pupil. A U.S. Resident, U.S. Eligible or national non-citizen. Perhaps perhaps perhaps Not in standard on any Title IV loan system. Will need to have a credit history that is good. Any unfavorable credit may result in the application become rejected. Additionally, when it comes to a Federal Direct Parent PLUS, the pupil for whom the moms and dad is borrowing should be a student that is dependentas defined by FAFSA) that is enrolled at the very least half-time and is keeping Satisfactory Academic Progress. The attention price on a Federal Direct PLUS Loan is adjustable and it is adjusted yearly on 1 july. The Federal scholar Aid web site publishes the most up-to-date updates regarding present interest levels. An origination is carried by the Federal PLUS Loan charge, that will be compensated to your U.S. Department of Education to greatly help counterbalance the price of running the Federal Direct PLUS Loan Program. We suggest that, if at all possible, moms and dads request the mortgage amount of two semesters, to make sure option of funds for the complete year that is academic. For fall/spring Federal Direct PLUS loan durations, loans are going to be disbursed in 2 equal repayments at the start of each semester. The mortgage funds are credited to your student’s account. Any balance due to MTSU is going to be deducted through the loan funds. In the event that loan proceeds are far more than what exactly is owed, a Federal Direct PLUS reimbursement will likely to be provided to the moms and dad or pupil (in the event that moms and dad authorizes). Federal PLUS Application For The Loan procedure Parents and pupils must start finishing the Free Application for Federal scholar help (FAFSA) in January or as soon as possible in each twelve months. The Federal PLUS Loan should be completed online by mid-June if the proceeds of the Federal PLUS Loan are needed to pay for tuition and fees by the scheduled August payment deadline dates. Nevertheless, graduate students and parents may nevertheless make an application for the Federal Direct PLUS Loan even with the semester begins so long as the pupil is enrolled at minimum half-time. The outcomes through the complimentary Application for Federal Student Aid (FAFSA) must certanly be on file within the school funding workplace. When you yourself have perhaps not finished the FAFSA, you’ll apply online. To ascertain in the event that graduate pupil or parent is qualified to receive a Federal Direct PLUS Loan, an ask for the mortgage needs to be submitted from the https: //studentaid.gov/ internet site. The graduate pupil or moms and dad debtor will log in to the web web site making use of his/her FSA password and username. When the demand is submitted online, the united states Department of Education will start a credit check while the debtor will instantly be supplied with the credit choice when it comes to Plus loan. Please submit your finished online application at minimum 45 days ahead of the time loan funds are essential. In the event that Federal Direct PLUS loan is authorized, the graduate pupil or moms and dad must signal the Master Promissory Note (MPN) aided by the Federal Direct loan system. The Federal Direct PLUS Master Promissory Note must be finished when it comes to very first Federal PLUS Loan processed, yet not for subsequent loans (unless a co-signer has been utilized for the loan to be authorized. ) Furthermore, in the event that Federal Direct PLUS debtor modifications, the brand new debtor must finish a MPN utilizing his/her FSA account. What are the results in the event that Federal Direct PLUS loan is rejected? Credit approval or denial for a Federal Direct PLUS Loan depends upon the government that is federal maybe maybe not center Tennessee State University. Questions credit that is regarding of the Federal Direct PLUS Loan may be directed into the Loan Origination Center at 1-800-557-7394. The borrower may appeal the credit decision or a co-signer may be used for the loan to be approved if denied the Federal Direct PLUS Loan due to adverse credit history. Borrower who aren’t initially credit authorized for the Plus loan, but qualify by appealing or obtaining a co-signer/endorser, must complete Plus Counseling at the StudentAid.gov internet site prior to the loan are disbursed. Then become eligible to receive additional Federal Direct Unsubsidized Loans if a Plus Loan is denied for a parent, the student will. Freshmen and sophomores may make an application for around $4,000, and juniors and seniors may make an application for as much as $5,000 in these Unsubsidized Direct that is additional Loans. The pupil might need to request the extra unsubsidized quantity by notifying the MT One Stop and finishing the Loan Request Sheet (LRS). Whenever does the Federal Direct PLUS loan need to be paid back? The Federal Direct PLUS Loan will start accruing interest once the mortgage disburses and payment begins about 60 times following the complete loan happens to be disbursed, unless the debtor requests a deferment. The borrower may contact the loan servicer to request a deferment. You’ll determine your loan servicer by reviewing your loan disclosure or online at nslds. Ed.gov. The debtor will require his/her FSA password and username to gain access to this site. The mortgage should be paid back within a decade as well as the minimal payment that is monthly $50.00, or more based upon the quantity lent. All or a percentage of the Federal PLUS Loan could be paid back at any right time without penalty. Loan counseling, forgiveness and repayment The us government would like to make certain as you assume a loan, and again when you leave MTSU and begin repayment of your loan that you fully understand your responsibilities. You will have to finish entrance guidance as being a pre-condition to getting your Federal Direct Subsidized, Federal Direct Unsubsidized, or Federal Graduate PLUS loan. The web link for entry guidance has reached StudentAid.gov, beneath the area en en titled Complete Aid Process. As soon as you graduate or fall below half-time status, you shall intend to make intends to start payment of the loan. You will additionally be necessary to take part in Exit Loan Counseling if you drop below half-time enrollment status, withdraw from the college, or graduate. In many situations, you’ll have actually a elegance amount of half a year before you must begin making payments for your federal student loans after you graduate or withdraw from the university. The web link for exit counseling has reached StudenAid.gov, underneath the part titled handle Loan. Finally, you’ll like to carefully review choices that could be accessible to you for different forms of loan consolidation, loan forgiveness, or loan release. To find out more, head to StudentAid.gov and review the section titled Managing Loans. Code of conduct The federal advanced schooling chance Act (HEOA) of 2008 founded a rule of conduct relevant to educational funding workers and universities because they administer the Title IV Loan system. Generally speaking, the Code forbids any aid that is financial or college from taking part in any revenue-sharing plans with any loan provider, or from getting gift suggestions from any loan provider, guarantor or loan servicer in return for supplying Loan Funds to its pupil populace. Personal loans Personal Loans should be thought about being a final resort whenever funding your university training. We highly encourage you to definitely borrow through the Federal scholar Loan program before considering loans that are private. Also, graduate pupils ought to apply for a Federal Graduate PLUS Loan before you apply for personal Loans. Generally, you will get a significantly better rate of interest on Federal figuratively speaking than with personal Loans. Nevertheless, you cover unmet educational expenses if you need additional funding beyond your Federal Student Loan eligibility, Private Loans may help. Personal Loans are formulated by banking institutions along with other banking institutions and they are susceptible to their terms. Eligibility for those loans takes a credit check and pupils in many cases are necessary to have co-signer to qualify Center Tennessee State University will not endorse or suggest any particular personal loan item. In determining which personal loan is perfect for your requirements, we suggest you research and compare loan interest levels, costs, payment choices, and eligibility needs. Personal application for the loan procedure Numerous personal loan loan offerrs provide an online application. You may want to verify the following information with the lender after you carefully compare the different lenders’ loan information. Does the lending company procedure loans that are private Middle Tennessee State University? What’s going to my interest be? Any kind of fees which can be deducted through the loan before we get my loan funds? Have always been we expected to begin repaying the mortgage while I am in college? Just just How hours that are many we be enrolled to get the mortgage? You three separate disclosures during the Private Loan process after you apply, the lender will send. You have to signal and get back these disclosures into the loan provider in a manner that is timely. You shall be asked to finish a Self-Certification Form. The lender will send a certification request either by paper form or electronically to the MTSU Financial Aid Office after you are pre-approved for the Private Loan and have returned any required paperwork to the lender. The Financial help workplace certifies loan that is maximum as much as the expense of Attendance minus other school funding and resources. Pupils admitted to your Aerospace system and signed up for journey labs should contact the MT One Stop to submit a questionnaire necessary in order for their price of Attendance may be updated to include the increased journey lab expenses. The lender should be ready to disburse your loan funds to MTSU depending on your loan period if you have submitted all required paperwork and the MTSU Financial Aid Office has completed the certification request. Then half of the loan will be disbursed equally between the fall and spring semesters if you have a fall/spring loan period. If the loan provider delivers the mortgage funds by Electronic Fund Transfer, then a funds will immediately be credited to your pupil account. In the event that loan provider delivers the mortgage funds by check, you shall be asked to started to the MTSU office environment to endorse the check. The MTSU office environment will e-mail you if your check is able to be endorsed. We recommend you apply at least 7 weeks before the loan funds are required because it can take up to 4 – 6 weeks for a Private Loan to be processed. Are You Aware? Sixty-five per cent of Berkeley undergraduate students who graduated between July 1, 2016 and June 30, 2017 finished without loan financial obligation (Federal Direct Subsidized/Unsubsidized Loans, Federal Perkins Loans, private loans). The common loan that is cumulative for graduating seniors whom borroewed was $18,197. Federal figuratively speaking could be a critical element of your training funding plan. These are generally a great resource whenever utilized conservatively and sensibly. You are encouraged by us to very carefully consider whether or perhaps not you should borrow, and when you will do, to borrow as low as necessary. You can easily borrow lower than the mortgage amounts available in My funds in CalCentral. Federal student education loans can be obtained to many pupils irrespective of earnings and supply a selection of extremely versatile repayment plans including income-based payment plans and loan forgiveness advantages. To learn more, always check this video out on accountable Borrowing. Kinds of Loans The following checklists to learn more about each type of federal student loans and how you can apply for them, click on the following links and download You are able to compare these learning student education loans! Extra Kinds of Loans Available Before Borrowing, Consider These Questions Can you absolutely need figuratively speaking to meet up your academic expenses? Simply take a close glance at your allowance. Have you been residing like a pupil now therefore you graduate that you don’t have to after? As an example, are you able to lessen your cost of living by sharing a space or selecting a less dorm that is expensive? Have you contemplated part-time that is working? Maybe you have investigated any outside scholarships? Work-study is a good means not just to lessen your future financial obligation, but additionally to achieve experience that is professional! If you don’t notice a work-study offer in your school funding package, you are in a position to trade in certain of the unused education loan eligibility for work-study eligibility. Berkeley’s work-study jobs are exciting! Do you really know your obligations as a student-loan debtor? Your biggest duty is to settle your loans with interest. The repayment that is flexible can really help you through tough times by reducing or zeroing your payment. Them know if you are not able to make your loan payments, simply contact your servicer and let. The Benefits And Drawbacks of Borrowing Before borrowing education loan, it is necessary you are aware concerning the advantages and duties connected with borrowing an educatonal loan. PROFESSIONALS CONS The attention price on student education loans is practically constantly less than that on private loans—and far lower than that on a credit card! You don’t have actually to start repaying your federal figuratively speaking until once you leave university or fall below half-time enrollment. While you are in school if you demonstrate financial need, you can qualify to have the government pay your interest. Federal student education loans provide versatile payment plans and choices to postpone your loan re re payments if you’re trouble that is having re payments. Just like all types of loans, a federal education loan is a financial obligation and needs to be repaid. Student education loans accumulate interest you need to spend as well as the initial principal loan amount lent. You begin spending your loan straight back after graduating or you drop below half-time enrollment. Failing continually to pay your student education loans on time causes harm to your credit score, which could make it harder so that you can submit an application for a condo, car and truck loans, and on occasion even jobs. Loan-Borrower Duties Record simply how much you’re borrowing. Consider how your loan that is accumulated debt impact your own future. Analysis starting salaries in your industry. While you consider borrowing, make certain that you take into account your total financial obligation upon graduation and what your monthly premiums are predicted become. Think about in case your anticipated salary that is starting be adequate to aid your re re re payment. When you yourself have any issues, make sure to research different payment choices, including loan forgiveness programs, and also to consult with a school funding counselor. Comprehend the regards to your loan and keep copies of the loan document. Be sure you receive from your loan servicer or the university that you keep a copy of every Master Promissory Note and correspondence. Speak to your educational funding therapist at minimum one per year. Make certain you come in connection with your therapist regarding your loans and aid package that is financial. Communicate with your loan servicer. Improve your loan servicer through the National scholar Loan Data System (NSLDS) with any modifications to your college attendance or email address. ?Before leaving school (withdrawing, moving, cancelling, or graduating), make sure to finish your Exit guidance. The Loan Process: how exactly to Apply; where and when Does it spend? When you’ve chose to borrow a federal education loan, you’ll want to finish some online procedures ahead of the loan will pay (disburse). To learn more about simple tips to apply for these federal student education loans, click for each loan kind and printing out a list: Federal Medical Expert Education Loan (HPSL) Checklist for Pupils To get a Federal Direct Loan at UC Berkeley, you need to perform needed procedures because of the deadlines that are following the newest: Going to Fall-only: November 30 Attending Fall/Spring or Spring-Only: April 30 summer that is attending: Enrollment Periods: Deadline to accomplish Loan Process: Session A just Friday, June 22, 2018 Any Session Aug. That is ending 11, July 27, 2018 Unique Session closing before Aug. 11 fourteen days before end of Session THAT WHICH YOU NEED CERTAINLY TO FINISH Accept your loan through CalCentral. Complete a Master Promissory Note (MPN) at studentloans.gov. Complete Entrance Loan Counseling at studentloans.gov. WHAT GOES ON UPON After two to three company times, your Master Promissory Note and Entrance Loan Counseling are going to be gotten because of the school funding and Scholarships workplace. After confirming you don’t have any holds, that your particular school funding application is complete, and that you meet all the other fundamental eligibility demands, your loan will disburse for your requirements. WHEREIN DOES THE LOAN GO? Your loan disburses to your student account and will pay for any charges that are outstanding you have got for the expression that the mortgage is disbursed. If you have no balance that is outstanding your student account once the loan is compensated, or if your loan disbursement is bigger than your balance, you may be given a reimbursement. If you are planning to get a reimbursement, you’re going to get a notification from Billing and Payment Services. The Loan Process: Master Promissory Note and Entrance Loan Counseling 1. What’s the Master Promissory Note (MPN)? The Master Promissory Note (MPN) is a appropriate document in that you vow to settle your loan(s) and any accrued interest and costs to your U.S. Department of Education. Moreover it describes the conditions and terms of one’s loan(s), mainly: You need to repay your loan even although you didn’t finish your training You need to repay your loan also in the event that you can’t obtain a work when you leave college You have to repay your loan even you received if you didn’t like the education 2. What is Entrance Loan Counseling? The Entrance Loan Counseling sessions consist of home elevators loan payment responsibilities therefore the consequences of loan default. 3. Whom needs to accomplish the MPN and Entrance Loan Counseling? The U.S. Department of Education (ED) calls for borrowers that are first-time Berkeley to accomplish both processes. In the event that you finished an MPN while attending another college, or if a formerly finished MPN has expired, you have to finish a brand new one. 4. Where can you finish the MPN and Entrance Loan Counseling? When it comes to Federal Direct Subsidized and Unsubsidized Loans, the MPN can be completed by you and Entrance Loan counseling online at studentloans.gov. Make use of your Federal FSA ID to login. The MPN and Entrance Loan counseling are completed through Heartland ECSI, the Perkins loan servicer for UC Berkeley for the Federal Perkins Loan. The Loan Process: How Exactly To Cancel Your Loans Within 120 Days of Disbursement You’ve got the directly to cancel all or section of any disbursement of the Federal Direct Loan without having to be charged interest or any other loan costs so long as the termination is prepared within 120 times of your loan’s disbursement that is original in CalCentral. To request a termination, usage CalCentral (look at My Finances section): Select the “Loans & Work-Study” website link through the menu bar that is left. Choose “Revise Loan Amounts” and enter your modifications. In the event that deadline has passed away, you will never be capable of making an alteration. Once you cancel your loan by reducing the quantity, a cost shall be reproduced for your requirements within two to three company times, which could create a balance due. You might be accountable for having to pay this stability. Don’t deliver a repayment to your servicer in the event that you cancel your loan. Anticipate to send your re re payment to your bill. Significantly More Than 120 Days After Disbursement If it’s been a lot more than 120 times as your loan disbursement date, you can’t cancel your loan. Nevertheless, you may make a repayment to your servicer. Find the servicer’s contact information by signing to your National scholar Loan information System account at and simply clicking the school funding Review key. So that you can make sure that your re payment is placed on a specific loan, you need to incorporate a page along with your re re re payment which includes certain guidelines on how to use your re re payment. For instance: “Please use this $200 re payment to my unsubsidized loan first disbursed on 01/10/09, settling any accrued interest after which using any payment that is remaining the main of the loan. ” The mortgage Process: When You Leave School or Graduate ? Before making college (transferring, withdrawing, cancelling, taking a semester down, or graduating), make sure to finish your Exit guidance. Talk to your loan servicer. Improve your loan servicer through the National scholar Loan information System (NSLDS) with any noticeable changes to your college attendance or email address. When you leave school for just about any reason, your grace period that is 6-month starts. If you don’t re-enroll before a few months, you can expect to enter repayment. Toward the termination of your grace that is 6-month period you ought to get information regarding starting payment. If you don’t, contact the servicer(s) of the loans instantly and make sure they will have your proper contact quantity and final date of attendance. You start repaying your loans following the 6-month elegance duration has passed away. Should you ever have trouble making repayments, contact your loan servicer(s) for help. Perhaps you are entitled to a payment that is different, forbearance, or deferment, each of which keep your loans in good standing even although you are temporarily struggling to make re payments.

Federal Direct Loan Eligibility The following eligibility requirements must be met in order to qualify for a Federal Direct Student Loan in addition to filing the FAFSA Half-time enrollment at a qualified organization, such as for example MTSU, in a qualified level looking for undergraduate or graduate program (Graduate Certificate programs are not eligible) Be…
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