Odds of winning depend on number of entries received. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. TheFulbright Programis an international educational exchange program sponsored by the U.S. government. Email alerts for new matches. All rights reserved. Learn more here. SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY WebUnderstanding graduate student loans. GRP does not extend the loan term. One alternative to saving with a CD is a high-yield savings account, if you can find a competitive APY. Salt Lake City, UT 84101 P.O. This information was gathered on 09/16/20 from https://studentaid.gov/sa/types/grants-scholarships/teach#agreement-to-serve. Earn a guaranteed rate of interest over a fixed period of time. Student Loans Sallie Mae Banks CDs require a minimum opening deposit of $2,500 and a minimum balance of $2,500. Forgot your password? To find out the repayment term for your student loans, log in to your Sallie Mae account. Lenders want to know how responsible you are with credit before approving your student loan application. Student Loan Repayment Options Lowest rates shown include the auto debit discount. WebSallie Maes student loans can help cover up to 100% of your college or graduate school expenses, on campus or online. Student Sallie Mae is the premier brand in helping students and families access college and continuous education, plan successful outcomes, and responsibly fund their future. You dont make your first payment until both your time at school and 6-month grace period have ended.1. As a thought leader on saving, planning, and paying for college, we create highly anticipated research reports about how families approach paying for college and personal finance. If youre offered grants for school, make sure you understand all the requirements and how you can qualify in the futureand remember to fill out your FAFSA every year. It may be suspended during forbearance or deferment. Sallie Mae Interest rates for variable rate loans may increase or decrease over the life of the loan based on changes to the 30-day Average Secured Overnight Financing Rate (SOFR) rounded up to the nearest one-eighth of one percent. Grow your money faster with a higher interest rate and no monthly fees. Were a diverse group of financial experts, creative minds, innovators, tech gurus, and leaders who work together to help people make great things possible. This approval percentage is based on students with a Sallie Mae undergraduate or graduate school loan in the 2019/20 school year who were approved when they returned in 2020/21. Student Loans Current opportunities Use this free, online piggy bank to save for long- and short-term goals. Information advertised valid as of 11/3/2022. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. Check if youre eligible for a student loan deferment, which allow you to temporarily reduce or postpone payments on your student loans in special circumstances. If you have questions about the treatment of your student loan in bankruptcy, please consult with an attorney. Learn the benefits and considerations of consolidating or refinancing your graduate student loans. Sallie Mae Private Student Loans Can I qualify if attending school online, or less than half time? Sallie Mae Private Student Loans Before your student loan becomes delinquent and goes into default, chat with us or call 800-472-5543. Interest is charged during the deferment period and Unpaid Interest may be added to the Current Principal at the end of each deferment period, which will increase the Total Loan Cost. Federal loans generally have a standard repayment schedule of 10 years. By having a cosigner on the application, students chances of being approved may increase! How the interest repayment option works: 2. This information was gathered on 09/16/20 from https://studentaid.gov/understand-aid/types/grants/pell. To learn more about how we collect, use, retain and disclose your personal information, please see ourOnline Privacy Policy. Youll also need to complete TEACH Grant counseling and sign a new Agreement to Serve every year and meet other requirements.4, Federal Supplemental Education Opportunity Grants (FSEOG)assist low-income undergraduate students who need a lot of financial aid to help pay for college. Sallie Mae offers student loans for undergraduate, graduate, residency and parent loans. Military Grants - Iraq and Afghanistan Service Grant, FSEOG - Federal Supplemental Educational Opportunity Grant, FAFSA 2023: How to Apply for Financial Aid, Student Aid Report How to Review your FAFSA SAR, Federal Work-Study Information on the Program, Federal Loans vs Private Loans for College, What Are Federal Student Loans & How to Apply, Federal Supplemental Education Opportunity Grants (FSEOG), https://studentaid.gov/sa/types/grants-scholarships#why-repay-grant, https://studentaid.gov/sa/fafsa/next-steps/receive-aid, https://studentaid.gov/understand-aid/types/grants/pell, https://studentaid.gov/sa/types/grants-scholarships/teach#agreement-to-serve, https://studentaid.gov/sa/types/grants-scholarships/fseog, https://studentaid.gov/sa/types/grants-scholarships/iraq-afghanistan-service, Many grants for college are need-based. Graduate student loans. Your EFC is a number used by your school to calculate how much financial aid you are eligible to receive. MondayThursday: 8 a.m. to 9 p.m. Scholarships are key when it comes to paying for college, because its money students wont have to pay back. Student When it comes time to repay your student loan, you may have some options. It can save you money but could cost more, and your monthly payment amount may change. Thats why were here to help you understand all there is to know about free college scholarships and how to find them. The borrower or cosigner must enroll in auto debit through Sallie Mae to receive a 0.25 percentage point interest rate reduction benefit. 7. The interest on your student loan begins to accrue (grow) on the first day we disburse (send) your loans funds to you or your school. Your grace period is the amount of time after youre no longer enrolled in school and before principal and interest payments begin. What affects your total student loan cost, Understand private student loans for college, Consolidating or refinancing your student loans, Paying for health professions graduate school, Estimate your upcoming student loan payments, How we allocate and apply your student loan payments, Understand student loan military benefits, Scholarships for women and single mothers, College Grants Find free money for college, TEACH Grant Learn about the TEACH Grant Program. Advertised APRs assume a $10,000 loan to a freshman with no other Sallie Mae loans. Your grace period is the amount of time after youre no longer enrolled in school and before principal and interest payments begin. Sallie Mae Use this free, online piggy bank to save for long- and short-term goals. 5. If a Chapter 7 or 11 bankruptcy is filed by the borrower or cosigner (but not both parties), we suspend online access and communications for only the person who filed the bankruptcy. Remember, scholarships are free money for college, so apply to as many as you can. A card that rewards financial responsibility. Join LiveJournal Rates are accurate as of Nov. 7, 2022. Need-based grants are awarded based on your family's economic situation. Sallie Mae Financial aid for graduate school. If approved, the loan will revert back to the same repayment option that applied during the in-school period for up to 12 months. Earn interest at a higher rate than a traditional savings account, with no monthly fees. To find merit-based grants for college, start by doing an online search for college grants in your home state. Sallie Mae SLM Corporation and its subsidiaries, including Sallie Mae Bank are not sponsored by or agencies of the United States of America. This approval percentage is based on students with a Sallie Mae undergraduate or graduate school loan in the 2019/20 school year who were approved when they returned in 2020/21. You pay your monthly interest while in school and during your 6-month grace period to lower your loan cost.1 For example, as a freshman you may save 12%6 on the total loan cost if you choose this option instead of paying everything after school. Requested loan amount must be at least $1,000. Earn yourself a bonus, just for being you. college Miscellaneous personal expenses (such as a laptop) may be included in the cost of attendance for students enrolled at least half-time. Youre eligible if youre an undergrad or graduate student. Phone Student Loans Any copyrights, trademarks and/or service marks used in these materials are the property of their respective owners. Some CDs will let you increase the APY over the course of the term, add more cash to your deposit amount during the term or offer other specific features. Smart Option Student Loan customers can apply for and receive a maximum of five 12-month deferment periods and customers with graduate loans can apply for and receive a maximum of four 12-month deferment periods. MondayFriday:8 a.m. to 8 p.m. Understanding what it takes to earn a scholarship can be overwhelming. Bar study loans. Join LiveJournal Wilmington, DE 19804-4319, Corporation Service Company Advertised variable rates are the starting range of rates and may vary outside of that range over the life of the loan. 9. Find out more about eligibility and where and when to get tax information. Sallie Mae Federal loans generally have a standard repayment schedule of 10 years. "If you think there arent scholarships out there for you, google it. All Sallie Mae Personal Loans were transferred to SMB-FA Consumer on May 18, 2021. Which student loans are available for graduate students. Sallie Mae loans are made by Sallie Mae Bank. All rights reserved. 3. When do I start paying back my undergraduate student loan? Advertised variable rates reflect the starting range of rates and may vary outside of that range over the life of the loan. To figure out your financial need, most schools consider your. 58177). Learn how your student loan payments are calculated and then figure out how much you're paying for your student loansand why. Private student loans dont have the same repayment options as federal loans, and those specific options can differ from lender to lender. Please try again later. SLM Corporation and its subsidiaries, including Sallie Mae Bank are not sponsored by or agencies of the United States of America. Our private student loans generally offer a choice of fixed or variable rates. Value of net student loans at Sallie Mae 2010-2020; Total borrowings of Navient Corporation 2008-2020; Interest income from loans at Sallie Mae 2013-2020; ET Smart Option Student Loan APRs assume a freshman borrower with no other Sallie Mae loans. Mobius View Reporting (formerly DDI-Document Direct Reporting) college Earn yourself a bonus, just for being you. However, there is still a variety of grants for collegededicated specifically to supporting international students. This information was gathered on 09/16/20 from https://us.fulbrightonline.org. Why should I borrow for the entire school year? See which loans are available for graduate students, including federal student loans and private graduate student loans. 2022 Sallie Mae Bank. Earn interest at a higher rate than a traditional savings account, with no monthly fees. We'll work with your school to take care of the rest. A card that rewards financial responsibility. For more information about the index of your loan, refer to your promissory note. Dental residency and relocation loans. Were passionate about making an impact in peoples lives and seeing them thrive. TEACH Grant Federal student loans only offer a fixed interest rate. Interest is compounded daily and is credited to your account on the monthly cycle date. Its purpose is to create mutual understanding and connections between Americans and people of other countries.7. Were a diverse group of financial experts, creative minds, innovators, tech gurus, and leaders who work together to help people make great things possible. For more information and eligibility requirements, please chat or call us at 855-534-2668. You may pay more for your undergrad loan because a fixed rate may be higher than a starting variable interest rate. Initiate disputes for fraudulent transactionswithin the app or mail, Sallie Mae How interest accrues on student loans. Dental residency and relocation loans. Students were 4X more likely to be approved with a cosigner.8 A cosigner is an adult with good credit, usually a parent, who shares responsibility with you for paying back the undergraduate student loan. A card that rewards financial responsibility. Your payments may vary over time. You might be using an unsupported or outdated browser. P.O. 8. No purchase necessary. For example, you may become ineligible for a need-based grant if your familys financial situation changes dramatically from one year to the next. Student Loans If youre experiencing financial difficulty, please chat with us or call 800-472-5543 so we can discuss any options that may be available for your loan. Variable interest rate Dental school loans. All rights reserved. Please try again later. Grow your money faster with a higher interest rate and no monthly fees. Earn yourself a bonus, just for being you. The Pell Grant application process is the same as any federal financial aid processyou need to complete the FAFSA.3, TEACH Grantsprovide grants to students who agree to teach in a high-need field for four years at an elementary school, secondary school, or educational service agency that serves students from low-income families. Youre ok with more uncertainty in exchange for a potentially lower total loan cost than with a fixed rate. Federal loans are provided by the government, while you take out a private loan from a bank like Sallie Mae, or a credit union. Based on a comparison of approval rates for Sallie Mae Smart Option Student Loans for undergraduate students who applied with a cosigner versus without a cosigner from May 1, 2020 through April 30, 2021. Wilmington, DE 19804-0229. Graduate Student Loans Sallie Mae helped me to be the first college graduate in my family and the first to pursue a master's degree. Based on a rolling 12-month period from October 1, 2019 through September 30, 2020. Medical School Loan and Dental School Loan APRs assume 4 years in school. Heres an overview of Sallie Mae Banks CD rates. You need to score above the 75th percentile on one or more portions of a college admissions test or maintain at least a 3.25 cumulative grade point average. How to Pay for Grad School. Yes, Sallie Mae Bank is FDIC insured (FDIC certificate No. How long does it take to get a Smart Option Student Loan? Understanding graduate student loans. 1. Graduate student loans. With products likeprivate student loans, credit cards, and savings accountsplus our financial tools, resources, and informationwe empower people to do great things. Savings comparison assumes a freshman student with no other Sallie Mae loans receives a $10,000 Smart Option Student Loan with the most common variable rate as of August 2021. Based on a comparison of approval rates for Sallie Mae Smart Option Student Loans for undergraduate students who applied with a cosigner versus without a cosigner from May 1, 2020 through April 30, 2021. Scholarships You might be required to maintain a certain GPA or meet other criteria to qualify for the grant. The non-filing party remains responsible for the loan, no matter which type of bankruptcy is filed. WebSallie Mae is the premier brand in helping students and families access college and continuous education, plan successful outcomes, and responsibly fund their future. Earn yourself a bonus, just for being you. Accrued interest can be withdrawn at any time without penalty, but doing so will reduce your earnings. Be sure to review all loan documents so you understand your responsibilities. Understand student loan payments Learn how your student loan payments are calculated and then figure out how much you're paying for your student loansand why. Sallie Mae does not provide, and these materials are not meant to convey, financial, tax, or legal advice. 1. You and your cosigner will want to have your social security number, school information, amount needed (remember, you can use it to pay for school-certified expenses for the entire year) as well as your financial and employment information. SLM Corporation and its subsidiaries, including Sallie Mae Bank are not sponsored by or agencies of the United States of America. If you have any questions, please call 833-624-8400. Graduate Most students dont have the credit history to take out a loan by themselves. 1. Borrow responsibly Current opportunities APR (Annual Percentage Rate) is your annual cost of borrowing, based on certain factors such as the amount of interest you pay and the expected repayment term of your loan. No purchase necessary. Subpoena procedures. A more rewarding way to pay down student loans. GRP allows interest-only payments for the initial 12-month period of repayment when the loan would normally begin requiring full principal and interest payments or during the 12-month period after GRP request is granted, whichever is later. P.O. You can start paying back your undergraduate loan while youre in school to save money or wait until youre finished. 2022 Sallie Mae Bank. Sallie Mae Ends 12/31/2022. This benefit applies only during active repayment for as long as the Current Amount Due or Designated Amount is successfully withdrawn from the authorized bank account each month. Late payments may be reported to consumer reporting agencies and can have a negative impact on your credit report. Box 70233 Earn a guaranteed rate of interest over a fixed period of time. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan. Your financial situation is unique and the products and services we review may not be right for your circumstances. Merit-based grants are awarded to students who demonstrate high levels of academic achievement, a commitment to community service, or excellent leadership skills. Most college grants are not guaranteed for all years of college. Both scholarships and grants for college are free money to help you pay for your education. We offer scholarships for high school students, current college students, and graduate students. Join LiveJournal These tips about requirements, deadlines, and more can help as you apply. Learn how your student loan payments are calculated and then figure out how much you're paying for your student loansand why. Dental residency and relocation loans. ET This notification is solely informative. Learn more about deferring loans while in graduate school. Keep in mind 2022 Sallie Mae Bank. Financial aid for graduate school. Email alerts for new matches. Understanding graduate student loans. SLM Corporation and its subsidiaries, including Sallie Mae Bank are not sponsored by or agencies of the United States of America. How to Pay for Grad School. Health professions graduate loans. Wilmington, DE 19804-0899, CDs, Money Market, and High-Yield Savings Accounts, Sallie Mae Bank All other names and logos used are the trademarks or service marks of their respective owners. Learn more about federal and state grants, how to apply for grants for college, what grants can pay for, and more. Sallie Mae Bank charges a penalty for early withdrawal if you take money out of your CD before the term is up. ET, Sallie Mae Interest is charged starting when funds are sent to the school. What Is a Federal Pell Grant & Who is Eligible? In cases where a loan is discharged, we remove the filing party from responsibility for the loan. Earn yourself a bonus, just for being you. We're sorry, our system is currently unavailable. There are merit-based college grants, too. When it comes to repaying student loans, there are distinct differences between federal and private student loans. Check if youre eligible for a student loan deferment, which allow you to temporarily reduce or postpone payments on your student loans in special circumstances. What affects your total student loan cost, Understand private student loans for college, Consolidating or refinancing your student loans, Paying for health professions graduate school, Estimate your upcoming student loan payments, How we allocate and apply your student loan payments, Understand student loan military benefits, Scholarships for women and single mothers, College Grants Find free money for college, TEACH Grant Learn about the TEACH Grant Program. Fixed interest rate A card that rewards financial responsibility. Deferment or forbearance during military service may be able to postpone payments on your student loans during military service. Theres a $2,500 minimum deposit requirement to open a CD. Learn more about the Graduated Repayment Period. Forbearance lets you temporarily postpone your payments if youre having trouble and can help you avoid delinquency and default. Loan amount cannot exceed the cost of attendance less financial aid received, as certified by the school. The rate can go up or down with changes to the loans index. How to Pay for Grad School. The cost of attendance is what it will cost you to go to school for the year, including expenses like tuition, fees, books, meals, and transportation. See Official Rules. You want to reduce your total loan cost and can afford to pay $257 every month. All Sallie Mae Personal Loans were transferred to SMB-FA Consumer on May 18, 2021. Sallie Maes student loans can help cover up to 100% of your college or graduate school expenses, on campus or online. Current opportunities WebWith products like private student loans, credit cards, and savings accountsplus our financial tools, resources, and informationwe empower people to do great things. Current opportunities Sallie Mae Your eligibility for any of the following options depends on a review of your financial situation, so please call us at 800-472-5543 and talk with an account manager who will review the repayment options available to you. If you have any questions, please call 833-624-8400. 4. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. Sallie Mae is a publicly traded consumer bank that offers private student loans to pay for undergraduate, graduate and professional degrees, among other educational needs. 2. Sallie Maes student loans can help cover up to 100% of your college or graduate school expenses, on campus or online. Your loan repayment term is the number of years you have to pay it back. Earn interest at a higher rate than a traditional savings account, with no monthly fees. See which loans are available for graduate students, including federal student loans and private graduate student loans. Apply for a student loan today. 6. When you apply for a Sallie MaeSmart Option Student Loan or a graduate student loan like theGraduate School Loan,MBA Loan,Graduate Loan for Health Professions,Law School Loan,Medical School Loan, orDental School Loan, you can choose one of three in-school repayment options2: Keep in mind that the Medical Residency and Relocation, Dental Residency and Relocation, and Bar Study loans are designed to cover post-graduate school expenses, so deferred repayment is the only in-school repayment option available. Philadelphia, PA 19101-8377, Sallie Mae 8. TEACH Grant There are also differences in interest rates, repayment options, and other features. All rights reserved. Student Editorial Note: We earn a commission from partner links on Forbes Advisor. Student or cosigner must meet the age of majority in their state of residence. Sallie Mae offers student loans for undergraduate, graduate, residency and parent loans. There are two types of graduate student loans: federal and private. Use this free, online piggy bank to save for long- and short-term goals. This information was gathered on 09/16/20 from https://studentaid.gov/sa/types/grants-scholarships/fseog. WebWhich student loans are available for graduate students. Graduate student loans. First, search for which types of college scholarships you might want to apply for. After youre approved, you choose your undergraduate loan rate type and repayment options, accept your loan disclosure, and the loan is certified by your school. With products like private student loans, credit cards, and savings accountsplus our financial tools, resources, and informationwe empower people to do great things. If you need a tax form, please contact your borrower. Unlikestudent loans, you don't have to pay back college grants or scholarships, except under certain circumstances, like withdrawing early from a program or a change in your enrollment status.1. This information was gathered on 09/16/20 from https://studentaid.gov/sa/fafsa/next-steps/receive-aid. Sallie Mae Bank has no physical branches, but you can access your account online or via the banks mobile app. Youll have a predictable monthly payment amount. All rights reserved. Whether you are getting a CD from Sallie Mae Bank or another bank or credit union, make sure to pay attention to the rates and terms and make the right decision for your financial goals. Dental residency and relocation loans. Private student loans dont have the same repayment options as federal loans, and those specific options can differ from lender to lender. Keep in mind This online bank offers a number of savings products, including CDs, money market accounts, high-yield savings accounts and SmartyPig savings accounts that help you save for specific goals. Our scholarship programs help students from minority and other historically underserved communities reach their higher education goals. Ben Gran is a freelance writer who covers personal finance and financial services. Are you a graduate student or considering graduate school? Your default may be reported to the consumer reporting agencies, where it can stay on your credit report for up to seven years. Graduate school loans. What affects your total student loan cost, Understand private student loans for college, Consolidating or refinancing your student loans, Paying for health professions graduate school, Estimate your upcoming student loan payments, How we allocate and apply your student loan payments, Understand student loan military benefits, Scholarships for women and single mothers, College Grants Find free money for college, TEACH Grant Learn about the TEACH Grant Program. How to Pay for Grad School. Earn a guaranteed rate of interest over a fixed period of time. Were a diverse group of financial experts, creative minds, innovators, tech gurus, and leaders who work together to help people make great things possible. 2 The borrower or cosigner must enroll in auto debit through Sallie Mae to receive a 0.25 percentage point interest rate reduction benefit. WebSee which loans are available for graduate students, including federal student loans and private graduate student loans. Student 15 West South Temple, Suite 600 A more rewarding way to pay down student loans. Our scholarship programs help students from minority and other historically underserved communities reach their higher education goals. The Forbes Advisor editorial team is independent and objective. Learn more about the Graduated Repayment Period. For a borrower with $20,000 in prior loans and a 2-year in-school period, it works out to a 10.78% fixed APR, 27 payments of $25.00, 179 payments of $132.53 and one payment of $40.35 for a total loan cost of $24,438.22. Grow your money faster with a higher interest rate and no monthly fees. A card that rewards financial responsibility. Health professions graduate loans. 2022 Forbes Media LLC. SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. Its important to understand that many student loans are not discharged through bankruptcy, but an automatic stay is imposed when any bankruptcy is filed. *Please provide any supporting documentation/information that will help us investigate your dispute. Sallie Mae private student loan repayment options Understanding graduate student loans. Friday: 8 a.m. to 8 p.m. No purchase necessary. Disability or death Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 10 years. This approval percentage is based on students with a Sallie Mae undergraduate loan in the 2019/20 school year who were approved when they returned in 2020/21. You want a predictable monthly payment to make budgeting easier. There are two types of graduate student loans: federal and private. Examples of typical costs for a $10,000 Smart Option Student Loan with the most common fixed rate, fixed repayment option, 6-month separation period, and two disbursements: For a borrower with no prior loans and a 4-year in-school period, it works out to a 10.28% fixed APR, 51 payments of $25.00, 119 payments of $182.67 and one payment of $121.71, for a Total Loan Cost of $23,134.44. The GRP doesnt extend the loan term.1 Student Loans Private loans can close payment gaps after maxing out aid. Sallie Mae Bank is the online banking division of SLM Corporation. Graduate SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME Box 6299 All other names and logos used are the trademarks or service marks of their respective owners. Understanding graduate student loans. A graduate of Rice University, he has written for several Fortune 500 financial services companies. college With the Fixed and Deferred Repayment Options, the interest rate is higher than with the Interest Repayment Option and Unpaid Interest is added to the loans Current Principal at the end of the grace/separation period. Academic requirements. Once your student loan is in default, the entire Current Balance becomes due, not just the missed monthly payments. While in school, you can choose to make monthly interest payments or fixed $25 payments,7or you can choose to defer payments until after school.7 The repayment option you choose applies during school and for six months after you leave school (your grace period). The borrower on the loan(s) will receive the applicable tax form. Bar study loans. Understand student loan payments Learn how your student loan payments are calculated and then figure out how much you're paying for your student loansand why. What Is a Federal Pell Grant & Who is Eligible? Graduate student loans. Sallie Mae Your offers will tell you if you're eligible for any college grants, among other types of financial aid, like scholarships, work-study, and federal student loans. Student Loans Scholarships Loans From Sallie Mae Sallie Mae Bank has no physical branches, but you can access your account online or via the banks mobile app. ", Kirsten C., principal at Clinton Prairie Junior-Senior High School. Philadelphia, PA 19176-0233, Dispute Purchases 1. Depending on the type of loan, your school may need to check how much youre borrowing to make sure its not more than the cost of attendance. External links and third party references are provided for informational purposes only. You can also choose to pay off your loan early to reduce the total loan costthere are no penalties for early repayment.5. Current opportunities Each participating school receives a certain amount of FSEOG funds each year from the U.S. Department of Educations Office of Federal Student Aid. Current opportunities P.O. Our leadership team is committed to making education and prosperous futures happen. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. What Is a Federal Pell Grant & Who is Eligible? Keep in mind that repayment programs may increase your Total Loan Cost, so we recommend checking with your cosigner first (if you have one) to see if they can help with your payments. Odds of winning depend on number of entries received. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. Academic requirements. A more rewarding way to pay down student loans. Loan application and solicitation disclosures. We offer a number of repayment options over the life of your loan. Use this free, online piggy bank to save for long- and short-term goals. Your school must participate in, and you need to be enrolled in, a TEACH Grant-eligible program of study. A more rewarding way to pay down student loans. All Sallie Mae Personal Loans were transferred to SMB-FA Consumer on May 18, 2021. Saturday: 10 a.m. to 2 p.m. Learn more about deferring loans while in graduate school. See our story Sallie Mae helped me to be the first college graduate in my family and the first to SLM Corporation and its subsidiaries, including Sallie Mae Bank are not sponsored by or agencies of the United States of America. What are the benefits of having acosigner? Dental school loans. This notification is solely informative. You may lose any interest-rate reduction programs for which you were eligible. Were here to support every learning experiencewhether its in the classroom or out in the world. Thats where a cosigner can help. 175 S West Temple, Ste. There are college grants available to international students. Earn interest at a higher rate than a traditional savings account, with no monthly fees. Scholarships aren't just for undergraduate students. The biggest difference between college grants and scholarships is that grants for college are typically need-based. Sallie Mae loans are made by Sallie Mae Bank. 2022 Sallie Mae Bank. The financial aid office at a college or career school, Organizations (such as professional associations) related to your field of interest, What affects your total student loan cost, Understand private student loans for college, Consolidating or refinancing your student loans, Paying for health professions graduate school, Estimate your upcoming student loan payments, How we allocate and apply your student loan payments, Understand student loan military benefits, Scholarships for women and single mothers, College Grants Find free money for college, TEACH Grant Learn about the TEACH Grant Program. Federal loans are funded by the federal government, and you apply for Federal Direct Loans and Direct Graduate PLUS Loans by filling out a FAFSA. With products like private student loans, credit cards, and savings accountsplus our financial tools, resources, and informationwe empower people to do great things. This can give you flexibility in how to manage your savings. Sallie Mae is best known as a maker of undergraduate and graduate student loans. Delinquency occurs when you fail to pay all or part of your monthly student loan payment. Web8. Discover 5 tips for getting scholarships for college with Sallie Mae's scholarship guide. Payment options while youre in school Your undergraduate student loan payments will likely be larger while youre in school and in your grace period than with our fixed or deferred options. Sallie Mae's College Scholarships: How does the Sallie Mae scholarship work? (EFC). It does not include the denied applications of students who were ultimately approved in 2020/21. A card that rewards financial responsibility. Advertised APRs for undergraduate students assume a $10,000 loan to a student who attends school for 4 years and has no prior Sallie Mae-serviced loans. Youre likely to pay more for the total cost of the loan compared to the other repayment options. You need to score above the 75th percentile on one or more portions of a college admissions test or maintain at least a 3.25 cumulative grade point average. All Rights Reserved. 1. Read this first, 7 Things You Should Know About Cosigning a Student Loan, College Loans: Types of Federal & Private Loans for College. How interest accrues on student loans. But some banks offer no-penalty CDs, which let you withdraw your deposits before the term is up without penalty. The banks CD rates tend to be competitive among online banks. Loans From Sallie Mae The effect of the automatic stay and what we do depends on which type of bankruptcy is filed. We offer scholarships for high school students, current college students, and graduate students. Grow your money faster with a higher interest rate and no monthly fees. Your student loan repayment term. Once all of the schools FSEOG funds have been awarded to students, no more FSEOG awards can be made for that year.5, Iraq and Afghanistan Service Grantsare available to students whose parent or guardian died as a result of military service after September 11, 2001, in Iraq or Afghanistan and meet other eligibility requirements.6. Keep in mind that different banks and credit unions offer different APYs on CDs, and the rates can change depending on market conditions. Well need some basic information from you (and your cosigner if youre applying with one) like your name, address, and date of birth, along with some details about your school. P.O. Sallie Mae Bank has no physical branches, but you can access your account online or via the banks mobile app. In all cases, interest continues to accrue during the bankruptcy case, which is likely to increase the Total Loan Cost. Your interest rate does not change over time. Password requirements: 6 to 30 characters long; ASCII characters only (characters found on a standard US keyboard); must contain at least 4 different symbols; The loan's flexibility makes it a good choice for many situations: With the Smart Option Student Loan, you can select from three repayment options. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. Lets get you answers! Our scholarship programs help students from minority and other historically underserved communities reach their higher education goals. Youre on your own path, moving toward whats ahead. Information advertised valid as of 11/3/2022. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Information advertised valid as of 11/3/2022. from the colleges that accepted you. Payments may be required during the grace/separation period depending on the repayment option selected. Information advertised valid as of 11/3/2022. Sallie Mae cannot guarantee the accuracy of the information provided by any third parties and assumes no responsibility for any errors or omissions contained therein. Student Loan Tax All other names and logos used are the trademarks or service marks of their respective owners. Were a diverse group of financial experts, creative minds, innovators, tech gurus, and leaders who work together to help people make great things possible. Student Loans Earn a guaranteed rate of interest over a fixed period of time. Sallie Mae cannot guarantee the accuracy of the information provided by any third parties and assumes no responsibility for any errors or omissions contained therein. 9. CHECKSALLIEMAE.COMFOR THE MOST UP-TO-DATE PRODUCT INFORMATION. Learn how to manage your student loan through life changes like changing your name or having trouble paying. What Is a Federal Pell Grant & Who is Eligible? How it works The interest on your student loan begins to accrue (grow) on the first day we P.O. Private loans can close payment gaps after maxing out aid. What Is a Federal Pell Grant & Who is Eligible? Youll need to apply for a TEACH Grant every year by submitting the FAFSA. A more rewarding way to pay down student loans. Student Loan Repayment Options Advertised variable rates reflect the starting range of rates and may vary outside of that range over the life of the loan. This information was gathered on 09/16/20 from https://studentaid.gov/sa/types/grants-scholarships#why-repay-grant. WebCheck if youre eligible for a student loan deferment, which allow you to temporarily reduce or postpone payments on your student loans in special circumstances. 2022 Sallie Mae Bank. Box 8459 Information advertised valid as of 11/25/2022. 600 How to Pay for Grad School. Void where prohibited. Student Loan Repayment Options Student Loans How to Pay for Grad School. The Graduated Repayment Period (GRP) lets you make interest-only payments for 12 months after your separation period (Time after school). 3. Sallie Mae Some of the best online savings accounts may pay APYssimilar to CDs without requiring you to lock up your money for months or years. Their passion motivates and empowers us to help customers achieve their dreams. Student Loans The interest on your student loan begins to accrue (grow) on the first day we Graduate school scholarships. Federal Pell Grantsare usually awarded only to undergraduate students. Once youve decided to borrow from us, just e-sign and accept your loan. There are many sources to help you search for free college scholarships based on the type of scholarship youre looking for. Sallie Mae Graduate student loans. Sallie Mae Bank offers 11 certificate of deposit (CD) terms, ranging from six months to 60 months. Contact Us Student Loans Understand what student loan interest and interest capitalization are and how they can affect your Total Loan Cost. All Advertised APRs assume a $10,000 loan. Information provided on Forbes Advisor is for educational purposes only. 2 The borrower or cosigner must enroll in auto debit through Sallie Mae to receive a 0.25 percentage point interest rate reduction benefit. If approved for GRP, the Current Amount Due that is required to be paid each month after the GRP ends will be higher than it otherwise would have been without GRP, and the total loan cost will increase. Value of net student loans at Sallie Mae 2010-2020; Total borrowings of Navient Corporation 2008-2020; Interest income from loans at Sallie Mae 2013-2020; Get a 0.25 percentage point interest rate reduction when you pay by auto debit from your bank account. All Sallie Mae Personal Loans were transferred to SMB-FA Consumer on May 18, 2021. You can figure out how much a whole year of school will cost. Learn more about our scholarship programto find out if one's right for you. As with most CDs, theres no monthly maintenance fee. Scholarships may be need-based or merit-based, which means they're given out based on some kind of ability, hobby, ethnicity, religion, etc. If youre interested in becoming a Sallie Mae School Customer, visit our School Partners page to learn more and find out how to apply. Odds of winning depend on number of entries received. See our story Sallie Mae helped me to be the first college graduate in my family and the first to Most importantly, all scholarships are free scholarships, which means free money to help you pay for college. This approval percentage is based on students with a Sallie Mae undergraduate or graduate school loan in the 2019/20 school year who were approved when they returned in 2020/21. Only the most creditworthy applicants who choose the interest repayment option may receive the lowest rate. Whether you study online or on campus, you can borrow to cover the costs at a degree-granting institution, even if you're not a full- or half-time student. There may be programs available for budget flexibility, such as the Graduated Repayment Period.1 We offer our own scholarships and have helped hundreds of thousands of students find billions of dollars in scholarships to help make college happen. Changes in the financial markets may cause the index to rise or fall. There's something for everybody. You need to score above the 75th percentile on one or more portions of a college admissions test or maintain at least a 3.25 cumulative grade point average. Military Grants - Iraq and Afghanistan Service Grant, FSEOG - Federal Supplemental Educational Opportunity Grant, FAFSA 2023: How to Apply for Financial Aid, Student Aid Report How to Review your FAFSA SAR, Federal Work-Study Information on the Program, Federal Loans vs Private Loans for College, What Are Federal Student Loans & How to Apply. You don't need to accept every piece of financial aid that's offered to you. Military Grants - Iraq and Afghanistan Service Grant, FSEOG - Federal Supplemental Educational Opportunity Grant, FAFSA 2023: How to Apply for Financial Aid, Student Aid Report How to Review your FAFSA SAR, Federal Work-Study Information on the Program, Federal Loans vs Private Loans for College, What Are Federal Student Loans & How to Apply, Deferring payments for school or internship. CHECKSALLIEMAE.COMFOR THE MOST UP-TO-DATE PRODUCT INFORMATION. This information was gathered on 09/16/20 from https://studentaid.gov/sa/types/grants-scholarships/iraq-afghanistan-service. 4. Access to thousands of opportunities It takes about 10 minutes to apply and get a credit decision. Access to thousands of opportunities Earn interest at a higher rate than a traditional savings account, with no monthly fees. WebYour student loan repayment term. Graduate school loans. Shopping around for CD rates is an excellent way to get the highest possible return on your investment. This compensation comes from two main sources. To get the best CD rates available, its important to do your research and compare multiple banks and credit unions. Use this free, online piggy bank to save for long- and short-term goals. Something went wrong. Save timeapply once and get money for the whole year. Use this free, online piggy bank to save for long- and short-term goals. College grants are financial aid that doesn't have to be paid back. The borrower may request GRP only during the six billing periods immediately preceding and the twelve billing periods immediately after the loan would normally begin requiring full principal and interest payments. Any money left over is paid to you for other expenses.2. Fax:855-756-2011, OpenNet All Sallie Mae Bank accounts are protected by the federal government, up to $250,000 per depositor, for each account ownership category, in the event of a bank failure. Joanne explains the benefits of applying for a private student with a cosigner. Military Grants - Iraq and Afghanistan Service Grant, FSEOG - Federal Supplemental Educational Opportunity Grant, FAFSA 2023: How to Apply for Financial Aid, Student Aid Report How to Review your FAFSA SAR, Federal Work-Study Information on the Program, Federal Loans vs Private Loans for College, What Are Federal Student Loans & How to Apply. Apply for a student loan today. A cosigner is an adult with good credit, usually a parent, who shares responsibility for the loan. The rate never varies. Our free Scholarship Search helps you find scholarships as unique as you are. If you need a tax form, please contact your borrower. Make check payable to Sallie Mae, Sallie Mae Dental residency and relocation loans. Abby explains student loan delinquency and default. All rights reserved. Sallie Mae Dental residency and relocation loans. Were committed to working with you, so please contact us when you realize youre in financial trouble. Information advertised valid as of 11/3/2022. Federal loans are funded by the federal government, and you apply for Federal Direct Loans and Direct Graduate PLUS Loans by filling out a FAFSA. Sallie Mae cannot guarantee the accuracy of the information provided by any third parties and assumes no responsibility for any errors or omissions contained therein. Box 3319 Its based on factors like your borrowing/repayment history, how long youve had credit, and your amount of debt. Earn interest at a higher rate than a traditional savings account, with no monthly fees. Our free Scholarship Search helps you find scholarships as unique as you are. You can pay offyour undergraduate student loan as early as youd like to reduce your total loan cost. Sallie Mae Military Grants - Iraq and Afghanistan Service Grant, FSEOG - Federal Supplemental Educational Opportunity Grant, FAFSA 2023: How to Apply for Financial Aid, Student Aid Report How to Review your FAFSA SAR, Federal Work-Study Information on the Program, Federal Loans vs Private Loans for College, What Are Federal Student Loans & How to Apply. Our private student loans generally offer a choice of fixed or variable rates. Graduate school loans. Information advertised valid as of 11/3/2022. All other names and logos used are the trademarks or service marks of their respective owners. What Is a Federal Pell Grant & Who is Eligible? We offer scholarships for high school students, current college students, and graduate students. Ends 12/31/2022. Bar study loans. Understand student loan payments Learn how your student loan payments are calculated and then figure out how much you're paying for your student loansand why. We offer a number of repayment options over the life of your loan. Military Grants - Iraq and Afghanistan Service Grant, FSEOG - Federal Supplemental Educational Opportunity Grant, FAFSA 2023: How to Apply for Financial Aid, Student Aid Report How to Review your FAFSA SAR, Federal Work-Study Information on the Program, Federal Loans vs Private Loans for College, What Are Federal Student Loans & How to Apply. How the deferred repayment option works: Interest is charged starting when funds are sent to the school. And Sallie Mae Banks CD rates are significantly higher than the national average, according to the FDIC. Private student loans can offer both in-school and deferred repayment options. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. 9. WebPassword requirements: 6 to 30 characters long; ASCII characters only (characters found on a standard US keyboard); must contain at least 4 different symbols; See all the different student loans we offer. Void where prohibited. Apply for a student loan today. With a Smart Option Student Loan for undergraduate students, you can choose an interest rate type thats variable or fixed. Your loan repayment term is the number of years you have to pay it back. Sallie Mae is a publicly traded consumer bank that offers private student loans to pay for undergraduate, graduate and professional degrees, among other educational needs. All other names and logos used are the trademarks or service marks of their respective owners. Graduate student loans. Federal student loans only offer a fixed interest rate. Health professions graduate loans. MondayFriday: 9 a.m. to 6 p.m. What information do I need when applying with a cosigner? ET Ends 12/31/2022. As you input your personal information, we want you to know that we take protection of your data seriously. Learn about graduate school scholarshipsto help further your education. Advertised APRs assume a $10,000 loan to a freshman with no other Sallie Mae loans. To receive a 0.25 percentage point interest rate discount, the borrower or cosigner must enroll in auto debit through Sallie Mae. If you need a tax form, please contact your borrower. Get help from Sallie Mae. Here are a few terms you may hear when dealing with payment difficulties. If a Chapter 12 or 13 bankruptcy is filed, we suspend online access and communications, including billing statements, for both the borrower and the cosigner. Box 3229 Well work with you to help you get the money you need to pay for undergraduate costsbigger ones like tuition and housing, and smaller ones like books and a laptop. Find free money for college that you dont need to pay back. Our Smart Option Student Loan gives you the money and tools you need for your undergraduate journey. Health professions graduate loans. Did you know the interest you pay on student loans might be eligible for a tax deduction? Forgot your username? Based on a rolling 12-month period from October 1, 2019 through September 30, 2020. We'd love to hear from you, please enter your comments. Earn a guaranteed rate of interest over a fixed period of time. How to Pay for Grad School. Since most students have little or no credit history, they were 4X more likely to be approved with a cosigner!8 87% of our approved undergraduate borrowers had cosigners,9 usually a parent, relative, or other responsible adult, and it may help you get a better interest rate. Payment Address. Loans From Sallie Mae Box3228 Read the fine print to understand which options are available before you commit to a CD. If youre looking for a predictable monthly payment, a variable rate might not be for you. All other names and logos used are the trademarks or service marks of their respective owners. Student Loan Tax Password requirements: 6 to 30 characters long; ASCII characters only (characters found on a standard US keyboard); must contain at least 4 different symbols; Philadelphia, PA 19101-8459, Sallie Mae Contact Us Consult your own financial advisor, tax advisor, or attorney about your specific circumstances. Delinquency and default loans during military service may be reported to the other repayment as! This information was gathered on 09/16/20 from https: //www.salliemae.com/student-loans/manage-your-private-student-loan/get-help-with-special-circumstance/payment-difficulties/ '' > < /a > Ends.. A private student loans generally have a standard repayment schedule of 10 years, including federal student loans difference college... Help us investigate your dispute is Eligible to thousands of opportunities it takes about 10 minutes to apply a. May not be RIGHT for your student loan repayment options Understanding graduate student piggy Bank to for. Form, please call 833-624-8400 less financial aid that does n't have to competitive. Own path, moving toward whats ahead from minority and other historically underserved communities reach their education. Of majority in their state of residence, but doing so will reduce your total cost. To students Who were ultimately approved in 2020/21 via the banks mobile app learn your! Pay all or part of your loan the monthly cycle date rewarding way to a. 09/16/20 from https: //studentaid.gov/sa/types/grants-scholarships/teach # agreement-to-serve expenses, on campus or online Mae private student loans timeapply and!, not just the missed monthly payments to open a CD relocation.... Other expenses.2 both scholarships and how to apply for a need-based Grant if familys. That does n't have to pay it back to 60 months Maes student can... Best CD rates is an excellent way to pay it back,,. Before the term is the number of entries received certified by the school rolling 12-month period from October 1 2019. Financial situation is unique and the rates can change depending on the term... Are typically need-based Who were ultimately approved in 2020/21 independent and objective # why-repay-grant where a loan is discharged we! Purposes only your data seriously the borrower or cosigner must enroll in auto debit through Sallie Mae Corporation. Information provided on Forbes Advisor is for educational purposes only gaps after maxing aid. Nov. 7, 2022 access your account on the first day we P.O:. Changes to the other repayment options over the life of the loan, no matter which type of scholarship looking... Yes, Sallie Mae 's college scholarships: how does the Sallie Mae Bank is insured. A graduate of Rice University, he has written for several Fortune 500 financial SERVICES companies as... Cosigner must meet the age of majority in their state of residence loan and Dental school loan APRs a. Applying for a need-based Grant if your familys financial situation changes dramatically from one to... Create mutual Understanding and connections between Americans and people of other countries.7 Who the... Must participate in, a variable rate might not be RIGHT for you, google it out. Home state p.m. no purchase necessary approved in 2020/21 schools consider your the missed payments! Products, SERVICES, and the PRODUCTS and SERVICES we review may not be RIGHT you... You know the interest repayment option works: interest is charged starting when funds are to. Historically underserved communities reach their higher education goals //www.salliemae.com/student-loans/manage-your-private-student-loan/get-help-with-special-circumstance/payment-difficulties/ '' > Sallie Mae Bank is the amount of.... Understand your responsibilities your investment: //www.salliemae.com/login/ '' > Sallie Mae banks CD rates,... A card that rewards financial responsibility loan payments are calculated and then figure out how much financial received. Find free money for college with Sallie Mae Bank are not meant to,! Every piece of financial aid received, as certified by the school aid you are: is. Scholarships out there for you, so please contact us when you realize youre school. Unique as you can pay offyour undergraduate student loan payments are calculated and then figure out how much financial you! Is in default, the loan, refer to your promissory note working with you, google it programto. Mae Bank charges a penalty for early withdrawal if you need a tax form, please call 833-624-8400 to from. Programs help students from minority and other historically underserved communities reach their higher goals! So please contact your borrower odds of winning depend on number of repayment.... Doing an online search for college, what grants can pay offyour student! Need a tax form, please contact your borrower education goals your is... Provide any supporting documentation/information that will help us investigate your dispute where it save. ( CD ) terms, ranging from six months to 60 months may vary outside of that over! Prairie Junior-Senior high school students, including federal student loans the loan, theres no monthly.. United States of America to know how responsible you are Eligible to receive a 0.25 percentage interest... So please contact your borrower reduce the total cost of attendance less financial that. Give you flexibility in how to apply for might want to apply for a predictable monthly,... From six months to 60 months youre having trouble paying loans during service... The grace/separation period depending on market conditions typically need-based amount may change and no monthly fees costthere are no for... Change depending on the first day we P.O down student loans can offer both and... Is the number of entries received freshman with no monthly fees of time < /a > student... Credit decision 12-month period from October 1, 2019 through September 30 2020. Withdrawal if you have to be enrolled in, a TEACH Grant < /a graduate! 'D love to hear from you, google it October 1, 2019 through September 30, 2020 of received! Doing so will reduce your total loan cost the index to rise or fall, he has for. Does not include the denied applications of students Who demonstrate high levels of academic achievement a. Its purpose is to create mutual Understanding and connections between Americans and people of other countries.7 or outdated sallie mae graduate student loans. To repaying student loans and private ) lets you temporarily postpone your payments if youre trouble... See ourOnline Privacy Policy types of graduate student loans accept your loan but could cost,! Exceed the cost of the loan ( s ) will receive the rate! Be paid back it take to get the best CD rates are accurate as of 7! Is to know that we take protection of your college or graduate school expenses, on campus online... Six months to 60 months service, or legal advice your total loan cost discover 5 tips getting!, use, retain and disclose your Personal information, please consult with an attorney you on. Mae loans are available for graduate students, current college students, current college students, those! Of students Who demonstrate high levels of academic achievement, a variable might! Is independent and objective undergrad loan because a fixed period of time free money for,. And grants for collegededicated specifically to supporting international students to paying for your education, college... One 's RIGHT for you, please contact your borrower approved may increase was! Works the interest repayment option works: interest is charged starting when funds sent. Your credit report for up to 12 months after your separation period ( GRP lets., with no other Sallie Mae account every month sources to help customers achieve their dreams entries...., according to the other repayment options, he has written for Fortune! Grant-Eligible program of study overview of Sallie Mae loans are available for students. Offer both in-school and deferred repayment options as federal loans generally offer a fixed rate may be reported Consumer... Federal loans generally offer a number of entries received the Graduated repayment period time! In peoples lives and seeing them thrive Lowest rates shown include the denied applications students. Fdic insured ( FDIC certificate no for fraudulent transactionswithin the app or mail Sallie. Pay for Grad school to Consumer reporting agencies and can help cover up seven... Mae offers student loans advertised APRs assume a $ 2,500 minimum deposit requirement to open CD. By having a cosigner on the first day we P.O withdraw your deposits before the term is the amount time! Of Sallie Mae < /a > federal student loans and private are financial that. Rice University, he has written for several Fortune 500 financial SERVICES.. Are distinct differences between federal and private student loans only offer a choice of fixed variable. That 's offered to you for other expenses.2 or service marks of respective. Informational purposes only from lender to lender of consolidating or refinancing your graduate student loans and graduate. With changes to the school for early repayment.5 or fall Grantsare usually only! For fraudulent transactionswithin the app or mail, Sallie Mae RESERVES the RIGHT to MODIFY DISCONTINUE! No purchase necessary piece of financial aid for graduate school get money for,. Cosigner must meet the age of majority in their state of residence changes changing... Apys on CDs, which is likely to increase the total loan.. Where it can stay on your student loan application its subsidiaries, including federal student.! And you need for your undergraduate loan while youre in financial trouble when funds are sent the! To undergraduate students in exchange for a private student loans generally have a standard repayment schedule of 10 years according! Data seriously did you know the interest on your investment loans while in school. The most creditworthy applicants Who choose the interest repayment option that applied during the period! Who is Eligible to accept every piece of financial aid received, as certified by the U.S. government of will!
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