After 20 or 25 years of payments under IDR (depending on the plan), any remaining balance is forgiven, although this could potentially be treated as taxable income to the borrower depending on when the forgiveness actually occurs. *New borrowers on or after July 1, 2014, qualify for the new IBR plan. Dara has a partial financial hardship as long as her payments under the standard 10-year repayment plan exceed 15 percent of her discretionary income. Save my name, email, and website in this browser for the next time I comment. "Published Edition". For a married borrower filing jointly, AGI includes both the borrower's and spouse's income. For those with larger balances and smaller incomes, the REPAYE interest subsidy may make REPAYE better than either version of IBR. (1) The Secretary applies any payment made under the income-based repayment plan in the following order: (2) The borrower may prepay all or part of a loan at any time without penalty, as provided under 685.211(a)(2). Discretionary income is defined as the part of a borrower's earnings that exceeds 125% of the poverty . Federal Perkins Loans are only eligible when part of a FFEL or Federal Direct Consolidation Loan. This contact form is only for website help or website suggestions. There are small details separating each option that can make a big difference for borrowers. (C) Returns to the sender any payment received on a loan after loan forgiveness has been granted in accordance with paragraph (f)(5)(i) of this section. (6) If a borrower who is currently repaying under another repayment plan selects the income-based repayment plan but does not provide the information described in paragraphs (e)(1)(i) and (e)(1)(ii) of this section, or if the Secretary determines that the borrower does not have a partial financial hardship, the borrower remains on his or her current repayment plan. Income-driven repayment (IDR) plans cover four kinds of plans offered by the Department of Education to help federal student loan borrowers manage their payments. We cater to people of all income ranges and experience levels, so there is something for everyone. b. information or personal data. (3) If the prepayment amount equals or exceeds a monthly payment amount of $10.00 or more under the repayment schedule established for the loan, the Secretary applies the prepayment consistent with the requirements of 685.211(a)(3). Another disqualifier? (A) If the new monthly payment amount is less than the borrower's previously calculated income-based monthly payment amount, and the borrower made payments at the previously calculated amount after the end of the most recent annual payment period, the Secretary makes the appropriate adjustment to the borrower's account. The key difference between the two varieties of IBR is the New Borrower designation. IBR vs. PAYE: Final Thoughts What Is "Discretionary Income"? Essentially, to meet this qualification, if a borrowers monthly payment is lower than what the 10-year Standard monthly payment would be, it is likely that the borrower meets the PFH qualification. (A) Notifies the borrower that the borrower's obligation on the loans is satisfied; (B) Provides the borrower with the information described in paragraph (f)(5)(i)(C) of this section; and. (4) New borrower means for the purposes of the IBR Plan means an individual who has no outstanding balance on a Direct Loan Program or FFEL Program loan on July 1, 2014, or who has no outstanding balance on such a loan on the date he or she obtains a loan after July 1, 2014. Organization and Purpose Apply a check mark to indicate the choice wherever expected. IBR and IBR for New Borrowers sound similar, but the two plans have different monthly payments and different rules for student loan forgiveness. At The College Investor, we want to help you navigate your finances. The official, published CFR, is updated annually and available below under Your payment amount as calculated by PAYE must be less than you would be paying on the standard 10-year plan. Meet a student-loan borrower with $101,000 in debt who doesn't have 'any hope' with Biden's new plan for loan forgiveness: 'I'm never going to be able to pay it down'. Over the years, the federal government has made an effort to make student loan repayment more manageable. 1 CFR 1.1 What Should You Do With Your Old FFELP Loans? But advocates have been critical of several features of the EICR plan, including a complex repayment formula that results in higher monthly payments for higher income earners, as well as the exclusion of Parent PLUS borrowers and those who took out loans for graduate degree programs. (5) If the borrower's monthly payment amount is not sufficient to pay any of the principal due, the payment of that principal is postponed until the borrower chooses to leave the income-based repayment plan or no longer has a partial financial hardship. The Education Department has indicated that further details on the new IDR plan should be released in the coming weeks. But that said, choosing between PAYE vs. IBR can be tricky. Indian Institute of Science (IISC), Bangalore conducts a national level scholarship programme.How to Fill KVPY Application FormVisit the official and register as a new user by mentioning Name, date of birth, stream, nationality etc.Enter the captcha and click on submit.Enter your basic details such as Name, Date of Birth, Age, E-mail id, the Mobile number for registration, etc. Background and more details are available in the $39 Billion In New Student Loan Forgiveness: Who Qualifies, And How To Apply. The Electronic Code of Federal Regulations (eCFR) is a continuously updated online version of the CFR. The beginning date is the date the borrower made the payment or received the deferment, but no earlier than July 1, 2009; (B) For a borrower who has one or more other eligible Direct Loans, the date the borrower made a payment or received an economic hardship deferment on that loan. Essentially, to meet this qualification, if a borrowers monthly payment is lower than what the 10-year Standard monthly payment would be, it is likely that the borrower meets the PFH qualification. Statute of Limitations Laws For Student Loans. Online Loan Companies To Borrow From Home. If you are taking a large amount, banks are recommended. Title 34 was last amended 7/10/2023. This content is from the eCFR and may include recent changes applied to the CFR. No new enrollments . Insight from Michael has been featured in US News & World Report, Forbes, The Wall Street Journal, and numerous other online and print publications. Notwithstanding the requirements of 685.211 (a) (3), unless the borrower requests otherwise, the Secretary applies the excess payment amounts made after the end of the most recent annual payment period in accordance with the requirements of paragraph (c) (1) of this section. b. That means if parent borrowers cannot afford to make their payments, they generally have access only to the most expensive income-driven repayment plan known as income-contingent repayment . Borrowers with a remaining loan balance at the end of the term are eligible for loan forgiveness through the plan; however, the amount forgiven is considered taxable income. Start filling out the blanks according to the instructions: Thank you for joining this Friday's webinar where we're going to answer the question which income driven repayment plan is best as IB ours that pay is it repay and so we're going to take a look at that and first I would just like to acknowledge that all of the webinars we've done previously are recorded and posted on our website at mm c org /video webinars and having said that I will get into this now prior to beginning if you're listening to the recording or you are joining us live and you process some of this information after we're done and you have a question please email us that question at first at W&C org and we will get that answer to you but at this point in time we will go ahead and start and I'll tell you the best takeaway that's going to cover all of the different repayment plans including the income driven repayment plan IBR pay and repay is this education debt management booklet it's going to go into the details we cover here briefly but into then it will go into thos. Select the area you want to sign and click. A separate drafting site Use our detailed instructions to fill out and eSign your documents online. This is an automated process for Use the MedLoans Organizer and Calculator (MLOC) to review estimated repayment options and costs to determine the best plan for you. And due to its cross-platform nature, signNow works well on any device, desktop or mobile phone, regardless of the operating system. For all borrowers you will need to choose a different repayment plan for loans that are not eligible for a repayment plan based on income or they will be placed on the standard repayment plan. On a Direct Consolidation Loan that repays loans on which the Secretary has not charged the borrower accrued interest, the three-year period includes the period for which the Secretary did not charge the borrower accrued interest on the underlying loans. You must be a new borrower on or after October 1, 2007 (being a new borrower means that at that time you didnt have an outstanding balance on an earlier Direct Loan or FFEL loan). Secondly, make sure you include all the necessary information. If the borrower fails to certify family size, the Secretary assumes a family size of one for that year. Access free financial calculators, articles, and videos to help you create a budget, track your spending, create financial goals, and enhance your financial knowledge about credit, financial planning, money management, and more! site when drafting amendatory language for Federal regulations: For borrowers, this is a huge positive. Click, income-driven repayment plan request mailing address, Apply for Income-Driven Student Loan Repayment | StudentLoans.gov. With an IBR plan, your payment amount will be capped at the lower of a certain percentage of your discretionary income or the amount you would pay under the 10-year Standard Repayment Plan. There are bank loans and licensed money lenders. (1) To qualify for loan forgiveness after 25 years or, for a new borrower, after 20 years, a borrower must have participated in the income-based repayment plan and satisfied at least one of the following conditions during the applicable loan forgiveness period: (i) Made reduced monthly payments under a partial financial hardship as provided in paragraph (b)(1) or (b)(2) of this section, including a monthly payment amount of $0.00, as provided under paragraph (b)(2)(iii) of this section. How To Get A Refund Of Your Federal Student Loan Payments. (e) Eligibility documentation, verification, and notifications. By using signNow's comprehensive service, you're able to execute any essential edits to IBR online application form, generate your personalized digital signature in a few quick actions, and streamline your workflow without the need of leaving your browser. She has $75,000 in Direct PLUS Loans. Student Loan Borrowers Should Write Down These Critical Dates For Loan Forgiveness And Repayment, 6 Things Borrowers Can Do Now To Prepare For Student Loan Forgiveness, Bidens Student Loan Forgiveness Could Be Taxable In Some States, If You Went To These Schools, You May Qualify For Student Loan Forgiveness: Heres What To Do, This is a BETA experience. (6) The repayment period for a borrower under the income-based repayment plan may be greater than 10 years. When you login first time using a Social Login button, we collect your account public profile information shared by Social Login provider, based on your privacy settings. (3) If the borrower's monthly payment amount is not sufficient to pay the accrued interest on the borrower's Direct Subsidized loan or the subsidized portion of a Direct Consolidation Loan, the Secretary does not charge the borrower the remaining accrued interest for a period not to exceed three consecutive years from the established repayment period start date on that loan under the income-based repayment plan. There are Federal Register documents that will modify this content. Additionally, after 20 years of monthly payments, any remaining student loan balance is forgiven. For instance, it is not entirely clear how the repayment formula would work for borrowers who have graduate school loans. (B) Through a combination of monthly payments and economic hardship deferments, the borrower has made the equivalent of 25 years of payments or, for a new borrower, the equivalent of 20 years of payments. If you believe that this page should be taken down, please follow our DMCA take down process, You have been successfully registeredinsignNow. Direct or FFELP Stafford and Consolidation Loans, Perkins and LDS Loans (only if part of a Consolidation Loan), Payments are tied to household income and family size. As of March 2021, roughly 1 in 5 borrowers was in default, according to data from the U.S. Department of Education. If you are a new borrower, the IBR plan will cap monthly payments at ten percent of your discretionary income and cancel the unpaid balance of your loans after twenty years. (4) New borrower means an individual who has no outstanding balance on a Direct Loan Program or FFEL Program loan on July 1, 2014, or who has no outstanding balance on such a loan on the date he or she obtains a loan after July 1, 2014. Im an attorney focused on helping student loan borrowers. (202) 466-3686, Qualifying for the Income-Based Repayment Plan, To qualify for the IBR plan, you must have a (1). Pressing enter in the search box Arguably the most significant difference between the two repayment plans is the monthly bill. It could be months before any further details are released. The EICR plan would include several features such as a larger initial poverty exclusion, interest subsidies for borrowers in poverty, and a more favorable repayment formula for the lowest-income borrowers. (2) The Secretary adjusts the calculated monthly payment if. (4) Each time the Secretary makes a determination that a borrower no longer has a partial financial hardship for a subsequent year that the borrower wishes to remain on the plan, the Secretary sends the borrower a written notification that provides the borrower with. (ii) Made reduced monthly payments after the borrower no longer had a partial financial hardship or stopped making income-based payments as provided in paragraph (d) of this section. (vi) Made monthly payments under the alternative repayment plan described in 685.209(c)(4)(v) prior to changing to a repayment plan described under 685.209 or this section; (vii) Received an economic hardship deferment on eligible Direct Loans. Under all IDR plans, the borrowers federal student loan servicer calculates their monthly payments using a formula based on the borrowers discretionary income which is the amount of the borrowers Adjusted Gross Income (AGI), as reported on their federal tax return, that exceeds the IDR plans poverty exclusion limit (which is either 100% or 150% of the federal poverty limit for the borrowers family size, depending on the specific plan). The Department is concerned that setting a higher payment rate for graduate borrowersbeyond what is available on IBR for new borrowers, PAYE, and the existing REPAYE planwould not result in a plan that is clearly the best IDR option for most student borrowers. Borrowers on IBR for New Borrowers can achieve forgiveness after just 20 years. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Answering questions helps me identify the issues borrowers face and makes this site a better resource. Your payment amount under IBRs calculations would be less than your payment under the standard 10-year repayment plan. Income-based repayment (IBR) is a federal student loan repayment program that adjusts the amount you owe each month based on your income and family size. (i) Except for borrowers provided for in paragraph (b)(2)(ii) of this section, the total amount of the borrower's eligible loans are not Direct Loans, in which case the Secretary determines the borrower's adjusted monthly payment by multiplying the calculated payment by the percentage of the total outstanding principal amount of the borrower's eligible loans that are Direct Loans; (ii) Both the borrower and borrower's spouse have eligible loans and filed a joint Federal tax return, in which case the Secretary determines. After that, your ibr pdf is ready. Our opinions are our own. Graduate borrowers on REPAYE must make payments for 25 years before you they can earn forgiveness. Use the ibr form 2015 template to simplify high-volume document management. The types of material that are eligible for IBR; How an agency can request approval for an IBR; Using the correct IBR language in a rulemaking document; Removing material incorporated by reference from the CFR. As discussed above, a new borrower is a person without any unpaid loans from the federal Direct or FFEL programs as of July 1, 2014. Each plan is somewhat. Use this step-by-step guideline to fill out the IBR online application form promptly and with perfect precision. But millions of other student loan borrowers will have to continue making payments. Examples in this report make reasonable assumptions regarding expected increases in the poverty rate over time, but actual increases may vary. RepaymentRefinanceLife with LoansPlanning for School, Old IBR vs. IBR for New Borrowers: Comparing Income-Based Repayment Plans, IBR and IBR for New Borrowers: Federal Student Loan Income-Driven Repayment Plans, Monthly Payments on IBR and IBR for New Borrowers, Income-Based Repayment and Student Loan Forgiveness, IBR and IBR for New Borrowers Similarities, Deciding between IBR and IBR for New Borrowers, The Department of Educations Loan Simulator, Meet the New SAVE Plan: Lower Payments and Earlier Forgiveness, The Supreme Court Struck Down Forgiveness But Hope For Cancellation Remains, SAVE Calculator: Estimate Your Monthly Bill on the New Repayment Plan, 14 Ways to Get a Lower Interest Rate on Your Student Loans, The 8 Best Student Loan Forgiveness Programs Ranked, How to Remove a Cosigner from a Student Loan, How to Pick the Best Income-Driven Repayment Plan, The Complete Guide to Federal Direct Consolidation, Four Ways to Save for Retirement and Pay Off Student Loans, Learn How Student Loans Impact Mortgage Applications, Managing Student Loans for Married Couples. You must have received a Direct Loan disbursement on or after October 1, 2011. Dara is single and thus has a household size of 1. If a borrower is not a resident of a State identified in the poverty guidelines, the poverty guideline to be used for the borrower is the poverty guideline (for the relevant family size) used for the 48 contiguous States. Borrowers should also carefully consider both PAYE and REPAYE. You can submit the application online at StudentLoans.gov or on a signNow form, which you can get from your loan service. Yes, And Heres How. If the rulemaking committee reaches consensus on the Departments proposals, the Department can proceed to turn the agreed-upon changes into binding regulations. In either case, as result of the recalculation, (i) The maximum monthly amount that the Secretary requires the borrower to repay is the amount the borrower would have paid under the standard repayment plan based on a 10-year repayment period using the amount of the borrower's eligible loans that was outstanding at the time the borrower began repayment on the loans under the income-based repayment plan; and. The plan is controversial for a number of reasons, with advocates for student loan borrowers arguing it is too restrictive and not particularly financially beneficial. Avoid borrowing private loans if you want to preserve the ability to enroll, A Look at How the IBR Plan Helps Dara Defender. Both PAYE and REPAYE also charge borrowers 10% of their discretionary income. . 9902(2). Any investing information provided on this page is for educational purposes only. Income Based Repayment (IBR): IBR has a larger initial poverty exclusion of 150% of the federal poverty limit for . (i) If the Secretary receives the documentation described in paragraphs (e)(1)(i) and (e)(1)(ii) of this section more than 10 days after the specified annual deadline and the borrower's monthly payment amount is recalculated in accordance with paragraph (d)(1) of this section, the Secretary grants forbearance with respect to payments that are overdue or would be due at the time the new calculated income-based monthly payment amount is determined, if the new monthly payment amount is $0.00 or is less than the borrower's previously calculated income-based monthly payment amount. The first step in getting student aid is completing the Free Application for Federal Student Aid (FAFSA) at www.FAFSA.gov. First, lets see if Dara is eligible for IBR. We use cookies to improve security, personalize the user experience, enhance our marketing activities (including cooperating with our 3rd party partners) and for other business use. Find the extension in the Web Store and push, Click on the link to the document you want to design and select. The Office of the Federal Register publishes documents on behalf of Federal agencies but does not have any authority over their programs. Mandel NGAN / AFP) (Photo by MANDEL NGAN/AFP via Getty Images), The Infatuation With Elizabeth Holmes Prison Term. Overview Today, approximately 43 million Americans hold a federal student loan. When these borrowers fall behind on payments, they become delinquent on their loans; once the loans reach 270 days past due, borrowers are in default. Her payments start out as low as $215. Opinions expressed by Forbes Contributors are their own. As a (ii) Any payments that the borrower continued to make at the previously calculated payment amount after the end of the prior annual payment period and before the new monthly payment amount is calculated are considered to be qualifying payments for purposes of 685.219, provided that the payments otherwise meet the requirements described in 685.219(c)(1). 20 years under the IBR Plan for new borrowers only. guide. Examine required areas, the list of attachments, and additional samples very carefully. 20 U.S.C. Any period during which the Secretary has previously not charged the borrower accrued interest on an eligible loan under the Pay As You Earn repayment plan or the Revised Pay As You Earn repayment plan counts toward the maximum three years of subsidy a borrower is eligible to receive under the income-based repayment plan. (A) Each borrower's percentage of the couple's total eligible loan debt; (B) The adjusted monthly payment for each borrower by multiplying the calculated payment by the percentage determined in paragraph (b)(2)(ii)(A) of this section; and. (eg: Borrowers before 2014 pay 15% of discretionary income. Rather they're based on what the Standard 10-Year payment would have been when you entered IBR for the first time. Borrowers must demonstrate a Partial Financial Hardship(PFH) to qualify to enter this plan. Income-Based Repayment Plan (IBR Plan) Income-Contingent Repayment Plan (ICR Plan) Here you'll find more detailed questions and answers. DO NOT Sell My Personal Information. Federal Consolidation and the Student Loan Forgiveness Clock, The Future of IDR is SAVE: Changes Coming to REPAYE, PAYE, IBR, and ICR, The Future of One-Time Forgiveness: The Path Forward for Student Loan Cancellation. FAR). Could Dara benefit from the IBR plan? For the IBR Plan, you're considered a new borrower on or after July 1, 2014, if you had no outstanding balance on a William D. Ford Federal Direct Loan (Direct Loan) Program loan or Federal Family Education Loan (FFEL) Program loan when you received a Direct Loan on or after July 1, 2014. (FOR REFERENCE SEE APPENDIX-A).4 - MEDIUM OF THE EXAMINATION IS SELECTED CORRECTLY AND IS CORRECTLY APPEARING IN THE PDF.5 - THE SCANNED COPY OF THE DECLARATION UPLOADED PERTAINS TO THE CURRENT EXAM CYCLE.6 - ENSURE THAT PHOTOGRAPHS AND SIGNATURES HAVE BEEN AFFIXED (If the same are not appearing in the pdf) AT APPROPRIATE COLUMNS OF THE PRINTOUT OF THE EXAM FORM.7 - ADDRESS HAS BEEN RECORDED CORRECTLY AND IS CORRECTLY APPEARING IN THE PDF.8 - IN CASE THE PDF IS NOT CONTAINING THE PHOTO/SIGNATURE THEN CANDIDATE HAS TO GET THE DECLARATION SIGNED AND PDF IS GOT ATTESTED.9 - RETAIN A COPY OF THE PDF/FILLED-IN FORM FOR YOUR FUTURE REFERENCE.10 - IN CASE THE PHOTO/SIGN IS NOT APPEARING IN THE PDF, PLEASE TAKE ATTESTATIONS AND SEND THE PDF (PRINT OUT) OF THE ONLINE SUMBITTED EXAMINATION APPLICATION BY SPEED POST/REGISTERED POST ONLY.11 - KEEP IN SAFE CUSTODY THE SPEED POST/REGISTERED POST RECEIPT ISSUED BY POSTAL AUTHORITY FOR SENDING THE PDF (PRINT OUT) OF THE ONLINE SUMBITTED EXAMINATION APPLICATION FORM TO THE INSTITUTE/ RECEIPT ISSUED BY ICAI IN CASE THE APPLICATION IS DEPOSITED BY HAND.Regards,Scholar For CA089773 13131Like us on facebookScholar for ca,cma,cs https://m.facebook.com/scholarcaSambamurthy Nagar, 5th Street, Kakinada, Andhra Pradesh 533003https://g.co/kgs/VaK6g0. If that amount is less than the monthly amount required under the standard 10-year repayment plan, that student would be eligible for IBR. Finding samples is not the hard part when it comes to web document management; making them legal is. There are small details separating each option that can make a big difference for borrowers. That would result in the Department not achieving its desired goal of making it . Select the document you want to sign and click. This fact sheet will be updated again in July 2023. Each plan is somewhat distinct, but at a basic level, they all function in a similar way. A new borrower can have no federal loans if you didnt take out a loan before July 1, 2014 or if you had previously taken out a loan and it is now paid in full. The advanced tools of the editor will guide you through the editable PDF template. If you work for a Federal agency, use this drafting For this purpose, a monthly payment may include one payment made under a forbearance that provides for accepting smaller payments than previously scheduled, in accordance with 685.205(a). Use the, Income-Driven Repayment Plan Request form. The maximum payment is capped at the Standard 10-year repayment plan amount (determined when entering IBR). Income-based repayment or income-driven-repayment (IDR) is a student loan repayment program in the United States that regulates the amount that one needs to pay each month based on one's current income and family size. It may be an option for borrowers who want to manage their loans under a repayment plan that bases their monthly payment on their income and household size; however, borrowers should evaluate all IDR plans before deciding on the best plan. Income-based repayment For new borrowers after July 1, 2014, 10% of your discretionary income, but never more than your payment under the standard repayment plan Difference between adjusted gross . The whole procedure can take less than a minute. Here is a list of the most common customer questions. If you have questions for the Agency that issued the current document please contact the agency directly. Big Changes Coming To Student Loan Repayment In 2022, Student Loan Payment Pause: Record Inflation Adds To Pressures On Biden To Grant Another Extension, Biden Should Waive Student Loan Interest If He Wont Extend Payment Pause, Say Senators, Student Loan Forgiveness Changes: Who Qualifies, And How To Apply Under Bidens Expansion Of Relief. The signNow application is just as efficient and powerful as the web tool is. . What Is "Discretionary Income"? (B) If the new monthly payment amount is equal to or greater than the borrower's previously calculated monthly payment amount, and the borrower made payments at the previously calculated payment amount after the end of the most recent annual payment period, the Secretary does not make any adjustment to the borrower's account. Open the doc and select the page that needs to be signed. IBR for New Borrowers - IBR for new borrowers is an updated version of IBR, with lower monthly payments and better forgiveness terms. We often publish articles and videos on investing, as well as a comprehensive glossary of terms. To apply, you must submit an application called the Income-Driven Repayment Plan Request. (10% for new borrowers) The payment will never be more than the amount you would pay under the 10-year Standard Repayment Plan. For a married borrower filing separately, AGI includes only the borrower's income. That is probably the earliest that borrowers would be able to apply. Updated on: September 22nd, 2022 Why use LendingTree? We recommend you directly contact the agency associated with the content in question. Last week, Department of Education negotiators debated a proposed new student loan repayment plan that would be tied to a borrowers income. Calculate your adjusted gross income (AGI), federal poverty guidelines for your location and family size, you may have to pay income taxes on any forgiven debt, keep up to date with the latest student loan legislation, How To Get A Student Loan With Bad Credit, How To Select The Best Student Loan Repayment Plan, 5 Legal Ways To Lower Your Student Loan Payment. AAMC PREview Professional Readiness Exam, Interview Resources for Medical School Applicants, Managing Your Finances During Medical School, Choosing a Specialty with Careers in Medicine, Visiting Student Learning Opportunities (VSLO), Researching Residency Programs and Building an Application Strategy, Interview Resources for Residency Applicants, ERAS 2024 Participating Specialties & Programs, MyERAS Application and Program Signaling for 2023-24, ERAS Tools and Worksheets for Residency Applicants, ERAS Tools and Worksheets for Fellowship Applicants, Training Opportunities for Residents and Fellows.
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