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Greatest Debt Consolidation Loans of 2022

A debt consolidation mortgage is a path to reduction for lots of people struggling to handle bank cards and different high-interest debt.

Debt consolidation replaces your present money owed with a single mortgage, often with extra favorable phrases, like a decrease rate of interest that’ll prevent cash, or a decrease month-to-month fee and longer reimbursement interval that provides you extra respiratory room.

These loans are a typical a part of savvy debt payoff methods, as a result of they’ll usually aid you lower your expenses, repay debt sooner or each. For those who really feel such as you’re drowning in debt, they may lengthen the time it takes you to pay and take the stress off of maintaining with month-to-month funds.

Debt consolidation loans can be found from lenders as private loans, typically marketed particularly as “debt consolidation loans” and typically merely as private loans.

We’ve reviewed a few of the prime private mortgage lenders on-line that can assist you discover the very best debt consolidation loans out there on your monetary scenario and objectives.

Greatest Debt Consolidation Loans at a Look

Firm APR with Autopay Min. and Max. Mortgage Quantities Mortgage Phrases
Common Credit score 8.93% – 35.93% $1,000 – $50,000 36 to 60 months
Comfortable Cash 5.99% – 24.99% $5,000 – $40,000 2 – 5 years
LightStream 3.49% – 19.99% $5,000 – $100,000 As much as 7 years
Credible Private Loans 3.49% – 35.99% $600 – $100,000 1 – 7 years
Upstart 5.22% – 35.99% $1,000 – $50,000 3 or 5 years
SoFi 5.74% – 21.78% $5,000 – $100,000 2 – 7 years
Determine 5.75% – 31.44% $5,000 – $50,000 3 years
Improve 5.94% – 35.97% $1,000 – $50,000 24 – 84 months
Rocket Loans 5.97% – 29.99% $2,000 – $45,000 36 or 60 months
Uncover 5.99% – 24.99% $2,500 – $35,000 36, 48, 60, 72 or 84 months
Marcus 6.99% – 19.99% $3,500 – $40,000 36 – 72 months
LendingClub 7.04% – 35.89% $1,000 – $40,000 3 or 5 years
Prosper 7.95% – 35.99% $2,000 – $40,000 3 or 5 years
Stilt Beginning at 7.99% – 25% $1,000 – $35,000 12, 18, 24 or 36 months
Avant 9.95% – 35.99% $2,000 – $35,000 24 – 60 months
LendingPoint 9.99% – 35.99% $2,000 – $36,500 24 – 60 months

Common Credit score

Greatest for Credit score Scores under 600

Key Options

  • Funding inside in the future
  • Fastened rate of interest
  • Fee reductions for debt repay

Common Credit score is designed particularly for debt consolidation and repay. It gives charge reductions of between one and two share factors — fairly important! — for debtors who use a Common Credit score private mortgage to immediately repay bank card debt. Loans can be found for debtors with honest or spotty credit.

Common Credit score

APR

8.93% – 35.93%

Mortgage quantities

$1,000 – $50,000

Minimal credit score rating

560

Comfortable Cash

Greatest for Neighborhood-Based mostly Lenders

Key Options

  • Designed for bank card payoff
  • Borrow from community-based lenders
  • Loans as much as $40,000

Comfortable Cash’s Payoff Mortgage is designed specifically for bank card debt consolidation. The monetary tech firm works with group credit score unions and mission-driven group banks to supply private loans to repay your debt immediately. Select the plan that works greatest for you, whether or not it’s a decrease month-to-month fee, decrease rate of interest or earlier payoff date.

Comfortable Cash

APR

5.99% – 24.99%

Mortgage quantities

$5,000 – $40,000

Minimal credit score rating

600

LightStream

Greatest for Good to Glorious Credit score

Key Options

  • Identical-day funding
  • No charges
  • Loans out there for low credit score scores

LightStream’s private loans for debtors with good or glorious credit score can assist you pay money for as much as $100,000 as quickly as the identical day you’re authorized. It additionally eschews charges and gives to beat the speed of any competitor — simply submit details about a decrease charge you’re supplied elsewhere, and LightStream will give you a charge 0.10 share factors decrease by way of its Fee Beat program.

LightStream

APR

3.49% – 19.99%

Mortgage quantities

$5,000 – $100,000

Minimal credit score rating

660

Credible

Greatest for Low Mortgage Quantities

Key Options

  • Evaluate charges from prime lenders
  • Loans for poor credit score out there
  • Mortgage quantities as little as $600

Credible is a lending market that may aid you discover debt consolidation loans as little as $600. You don’t have to fret about Credible promoting your data like different comparability websites — it solely will get paid once you settle for a mortgage supply, so it gained’t assist lenders pester you. You should utilize the positioning to match mortgage gives aspect by aspect and click on by way of to the lender’s web site to formally apply.

Credible

APR

3.49% – 35.99%

Mortgage quantities

$600 – $100,000

Minimal credit score retailer

560

Upstart

Greatest for Non-Conventional Credit score Historical past

Key Options

  • AI-powered lending for companion banks
  • Considers greater than your credit score historical past
  • Mortgage quantities as little as $1,000

Upstart is technically a expertise firm, not a lender or a market. Its platform makes use of proprietary AI to attach you with companion lenders, and also you handle the mortgage solely by way of the platform. Upstart makes use of greater than a standard credit score rating to evaluate your creditworthiness, so elements like your training and earnings may aid you get a mortgage even in case you have a low or no credit score rating.

Upstart

APR

5.22% – 35.99%

Mortgage quantities

$1,000 – $50,000

Minimal credit score rating

580

SoFi

Greatest for SoFi Prospects

Key Options

  • No charges
  • Entry to occasions and perks
  • Reductions for SoFi shoppers

SoFi is an internet financial institution that gives monetary providers starting from banking to scholar loans to investing. It gives debt consolidation loans with no charges, and you’ll apply and handle your account proper from its handy app. You may qualify for a reduced rate of interest for those who’re an present SoFi member with a free SoFi checking account or different product within the app.

SoFi

APR

5.74% – 21.78%

Mortgage quantities

$5,000 – $100,000

Minimal credit score rating

600

Determine

Greatest for Crypto-Backed Loans

Key Options

  • Subsequent-day funding
  • Powered by Provenance blockchain
  • 0% to five% origination charge

Determine is an progressive on-line lender that gives private loans, with blockchain expertise including effectivity and transparency to its utility and mortgage origination processes. It gives conventional and crypto-backed loans. Determine doesn’t supply direct debt payoff, however you’ll be able to take out a private mortgage as much as $50,000 and use the funds to repay your money owed.

Determine

APR

5.75% – 31.44%

Mortgage quantities

$5,000 – $50,000

Minimal credit score rating

680

Improve

Greatest for Elevating Credit score Rating

Key Options

  • Checking, credit score and loans in a single platform
  • No prepayment penalties
  • Subsequent day funding

Improve is a monetary tech platform designed that can assist you increase your credit score rating by way of checking, bank cards, credit score monitoring and private loans. It gives debt administration and payoff in a single platform, and you might qualify for a debt consolidation mortgage with a good or spotty credit rating as little as 580.

Improve

APR

5.94% – 35.97%

Mortgage quantities

$1,000 – $50,000

Minimal Credit score Rating

580

Rocket Loans

Greatest for Clear Course of

Key Options

  • Identical day funding
  • No prepayment penalties
  • All-online utility

Rocket Loans allows you to apply on-line for a debt consolidation private mortgage in minutes. The net utility begins with a clear overview of the method, so you recognize what to anticipate at every step as you await your mortgage. You may confirm your earnings and identification solely on-line, so you do not have to fret about cellphone calls or snail mail slowing down the method.

Rocket Loans

APR

5.97% – 29.99%

Mortgage quantities

$2,000 – $45,000

Minimal credit score rating

580

Uncover

Greatest for Versatile Reimbursement Choices

Key Options

  • No charges (besides late charges)
  • Reimbursement help choices
  • Free FICO credit score rating

Uncover’s debt consolidation loans are fee-free and out there to debtors with a credit score rating as little as 660. Its reimbursement help choices are sturdy in comparison with many rivals: In case your monetary scenario adjustments, you could possibly apply for fee deferral, a short-term shift to interest-only funds or lengthen your reimbursement interval for decrease month-to-month funds.

Uncover

APR

5.99% – 24.99%

Mortgage quantities

$2,500 – $35,000

Minimal credit score rating

660

Marcus

Greatest for On-Time Fee Rewards

Key Options

  • No charges
  • Skip-a-payment reward for on-time reimbursement
  • Customise your month-to-month fee

Marcus is the private banking arm of Goldman Sachs, providing particular person financial savings, investing, bank cards and loans. Its private loans can be found to debtors with good credit score for as much as $40,000, with no charges — not even late charges. And it rewards you for on-time fee: Make your month-to-month fee on time for 12 months in a row, and you’ll defer fee for a month with no extra curiosity accrued.

Marcus

APR

6.99% – 19.99%

Mortgage quantities

$3,500 – $40,000

Minimal credit score rating

670

LendingClub

Greatest for Unhealthy Credit score Loans

Key Options

  • Borrow as much as $40,000
  • Funding inside 48 hours
  • No prepayment penalty

LendingClub calls itself an “on-line market financial institution.” It gives checking accounts and private loans, together with loans for debt consolidation, as much as $40,000 for phrases of three to 5 years. LendingClub is usually a good possibility in case you have a low credit score rating; loans could also be out there for lenders with scores as little as 600.

LendingClub

APR

7.04% – 35.89%

Mortgage quantities

$1,000 – $40,000

Minimal credit score rating

600

Prosper

Greatest for Peer-to-Peer Borrowing

Key Options

  • Peer-to-peer lending
  • Subsequent-day funding
  • No prepayment penalty

Prosper is considered one of few peer-to-peer lending platforms left — people and monetary establishments can spend money on private loans to help debtors and earn slightly little bit of a return. You don’t should cope with traders immediately; Prosper manages the applying and mortgage origination. Loans can be found from $2,000 to $40,000 with a credit score rating as little as 600.

Prosper

APR

7.95% – 35.99%

Mortgage quantities

$2,000 – $40,000

Minimal credit score rating

600

Stilt

Greatest for Non-Residents and Visa Holders

Key Options

  • No SSN or U.S. citizenship required
  • No prepayment penalty
  • No U.S. credit score historical past required

Stilt doesn’t seem to supply a direct debt consolidation mortgage, however a private mortgage might be used to repay debt. This firm focuses on serving to new immigrants and different underserved People entry credit score. Candidates don’t want a Social Safety quantity to use — as they do with virtually each lender — only a U.S. tackle and checking account. Loans can be found to debtors with restricted credit score histories.

Stilt

APR

7.99% – 25%

Mortgage quantities

$1,000 – $35,000

Minimal credit score rating

n/a

Avant

Greatest for Honest Credit score Loans

Key Options

  • Subsequent-day funding
  • Minimal credit score rating 580
  • Not out there in New York

Avant gives private loans as much as $35,000, with funding as quickly as the following enterprise day after approval. The lender’s minimal credit score rating is simply 580; most debtors have FICO scores between 600 and 700.

Avant

APR

9.95% – 35.99%

Mortgage quantities

$2,000 – $35,000

Miminum credit score rating

580

LendingPoint

Greatest for Honest Credit score Debtors

Key Options

  • Subsequent-day funding
  • No co-sign loans
  • Not out there in Nevada or West Virginia

LendingPoint assesses creditworthiness with a proprietary algorithm that appears past conventional FICO scores, so it’s capable of lend to debtors with scores as little as 600. LendingPoint loans can be found in each state besides Nevada and West Virginia.

LendingPoint

APR

9.99% – 35.99%

Mortgage quantity

$2,000 – $36,500

Minimal credit score rating

600

How Does a Debt Consolidation Mortgage Work?

A debt consolidation mortgage is a kind of non-public mortgage you are taking out to repay present money owed, and it’s mostly used to repay high-interest bank card debt.

The rationale that is helpful, despite the fact that you continue to should repay the identical quantity of debt, is that non-public loans include a lot decrease rates of interest than most bank cards. You might need a couple of bank card balances accumulating curiosity at round 16% to 25%, whereas private loans often include rates of interest nearer to five% to 12%.

A “debt consolidation mortgage” is only a private mortgage marketed particularly for debt payoff. They work precisely like private loans on paper, besides that many lenders ship mortgage funds on to collectors for you. In the event that they don’t, you could possibly nonetheless take out a private mortgage and use the funds to repay money owed your self.

To make a debt consolidation mortgage price it, it’s best to obtain at the very least considered one of these advantages:

  • A decrease rate of interest (decrease than the common of the money owed you’re paying off).
  • A decrease month-to-month fee than the entire of what you pay now. This might include the next rate of interest and/or longer reimbursement interval, but it surely may be what you want for now to remain above water. You may all the time refinance sooner or later for a greater charge.
  • Faster payoff. A debt consolidation mortgage may include the next month-to-month fee, however for those who can handle it, that would simplify your debt administration, prevent on curiosity and get you out of debt sooner.
  • Longer reimbursement. For those who’re consolidating or refinancing present loans with quick reimbursement phrases, a brand new mortgage may lengthen the time you must repay by decreasing your month-to-month fee. You’ll probably pay extra in curiosity this manner, but it surely may ease your month-to-month commitments.

Methods to Select a Debt Consolidation Mortgage

Earlier than you decide to any debt consolidation possibility, store round to see what lenders can give you. Your out there phrases may differ fairly a bit from lender to lender due to how they consider your credit score historical past and what sort of debtors they’re concentrating on.

On-line lending marketplaces like Credible or Fiona make it simple to rapidly see and evaluate pre-qualified gives from lenders side-by-side, so they may prevent a while.

To decide on the mortgage that matches your monetary objectives, contemplate these options:

  • Rate of interest: In case your principal aim is to economize, search for a debt consolidation mortgage with an rate of interest that’s decrease than the common charge in your present money owed. Lenders sometimes supply decrease rates of interest with shorter reimbursement intervals, so play with these elements to land on a charge that works for you.
  • Month-to-month fee: Primarily, you want a month-to-month fee you’ll be able to pay comfortably each month, contemplating your present commitments. For those who’re overwhelmed by your present debt fee, refinancing or consolidating right into a mortgage with a decrease month-to-month fee may supply some reduction. It’ll in all probability include a later payoff date, which may imply you pay extra in curiosity over time — however that decrease invoice may make the distinction between paying on time or not.
  • Reimbursement time period: That is the variety of months or years to repay the mortgage. A long run (or interval) means decrease month-to-month funds, however usually comes with the next rate of interest and can imply extra time for curiosity to build up. A shorter reimbursement time period means a faster payoff date, so in case your aim is quick debt elimination, search for lenders that provide one- or two-year phrases.
  • Charges: Lots of the lenders we’ve listed cost no charges, however some nonetheless cost an origination charge, which lops off a small share of your mortgage up entrance. Some firms additionally cost late fee charges and some firms even cost a prepayment penalty, which suggests you could possibly pay further for those who repay the mortgage early.

Debt Consolidation Mortgage Prices to Think about

Debt consolidation loans include the everyday prices included with any private mortgage, together with:

  • Curiosity: That is the additional you’ll repay on prime of the quantity you borrow. Debt consolidation mortgage charges might be as little as 3.5% or as excessive as 35.99%, relying largely in your credit score. Keep away from loans with the next rate of interest than your present debt until consolidation looks like your solely possibility to satisfy your monetary objectives.
  • Origination charges: Plenty of lenders cost a charge up entrance only for making you the mortgage. It’s often charged as a share of the mortgage quantity, round 2% or 3%, and it’s deducted from the preliminary funds you obtain. In case your lender prices an origination charge, take that into consideration to be sure you get the funds you should cowl your debt balances.
  • Late charges: Some lenders cost a late charge for those who make a fee previous the month-to-month due date. The charge is often a share of the fee due or a flat charge. Pay attention to these in your mortgage settlement in case your monetary scenario adjustments and also you’re unable to make funds on time. You may be capable of keep away from them by working with the lender to maneuver your due date or ask for a deferment interval.
  • Prepayment penalties: Few lenders of debt consolidation loans cost these anymore, however double-check earlier than you signal an settlement. Prepayment penalties are charges you owe for those who repay forward of schedule — both paying your mortgage stability off early or getting too far forward in your month-to-month funds.

Debt Administration vs. Consolidation vs. Refinancing

As you search choices to deal with your debt, you’ll in all probability come throughout data and providers for debt management, debt consolidation and debt refinancing. All of them have related goals, however they’re not the identical issues.

  • Debt administration is a service supplied by nonprofit organizations to get troublesome debt underneath management. You’re employed with a debt counselor to make preparations with collectors, like adjusted reimbursement plans or diminished balances, and also you make a single month-to-month fee to the group, which pays collectors in your behalf.
  • Debt consolidation is a private mortgage or balance transfer credit card that replaces present debt. You employ a debt consolidation mortgage to pay excellent balances, so that you solely owe cash to a single lender every month, ideally with a decrease rate of interest or decrease month-to-month fee.
  • Debt refinancing is a strategy to take an present mortgage and repackage it with totally different phrases. Like consolidation, you mainly exchange one mortgage with one other, however refinancing focuses on only one mortgage, moderately than a plethora of debt accounts. You may usually return to your present lender to ask for higher phrases — as a result of, say, your credit score has improved or the prime charge has gone down — or store round for different gives.

Alternate options to Debt Consolidation Loans

Debt consolidation loans aren’t the one avenue for tackling your debt. Think about these different choices and their impact in your credit score rating and monetary objectives earlier than committing to a mortgage:

  • Steadiness switch playing cards: These bank cards allow you to switch the excellent stability of an present card or a number of, so that you pay it off to the brand new creditor. It’s a method for a bank card firm to entice you away from a competitor. Steadiness switch playing cards often supply an interest-free interval of a few 12 months. For those who anticipate to have the ability to repay your bank card debt inside that interval, this can be a nice strategy to save on curiosity. For those who don’t repay inside that interval, although, again curiosity often comes due, and your stability may turn out to be much less manageable than you anticipated.
  • Refinancing: When you have a single mortgage with unfavorable phrases, you could possibly return to the lender and ask to refinance. This might get you a decrease rate of interest or totally different month-to-month fee, relying in your monetary scenario and desires.
  • Debt forgiveness: A debt administration plan often comes with some quantity of forgiven debt, which may supply an incredible quantity of reduction. You may additionally be capable of negotiate a diminished reimbursement quantity by yourself immediately together with your collectors. This type of settlement often exhibits up in your credit score report as a detrimental mark.
  • Deferment: Verify the phrases of your present debt to see in case your lender gives deferment or different versatile reimbursement choices. You might simply want a month or two off of month-to-month funds or curiosity to get again on monitor, and that would prevent the difficulty of making use of for a complete new mortgage.

What Is the Smartest Approach to Consolidate Debt?

Two principal choices exist to consolidate bank card debt: a debt consolidation mortgage or a stability switch card. Every has professionals and cons, and which is greatest for you will depend on your monetary scenario and objectives.

A debt consolidation mortgage often comes with an extended reimbursement interval and a decrease rate of interest than a stability switch card. The mortgage pays off your present money owed, and also you simply owe one month-to-month fee to the brand new lender. Ideally, you’ll decrease your rate of interest or month-to-month fee, relying in your aim.

A stability switch card absorbs the stability of different bank cards and allows you to proceed to spend on the brand new stability. They usually include a 12 months or so of no curiosity for the transferred stability, so this might be a strategic method to economize for those who’re paying off debt quick. Again curiosity often comes due on the finish of the introductory interval, although, so this turns into a expensive possibility for those who don’t pay your debt down quick.

A debt consolidation mortgage might be a greater possibility normally, as a result of it units you up for slower, regular debt payoff at a month-to-month fee you’ll be able to handle and an rate of interest that hopefully saves you cash.

A stability switch card is a great technique for those who’re targeted on fast debt payoff and are fairly sure you’ll get rid of your stability throughout the subsequent 12 months. It may, nonetheless, be a dangerous transfer for those who don’t have that stable plan in place to prioritize debt payoff for the close to future.

How Does Debt Consolidation Have an effect on Your Credit score Rating?

Debt consolidation may decrease your credit score utilization and create a optimistic line in your credit score report, which may enhance your credit score rating over time.

Right here’s the way it works:

  • Credit score utilization: Paying off your bank card debt — even for those who tackle a mortgage to do it — lowers the quantity of your out there credit score you’re utilizing, referred to as your credit utilization. Decrease utilization is healthier on your credit score rating.
  • Credit score report: Making your mortgage funds on time or forward of time all through the lifetime of the mortgage creates a optimistic line in your credit score report, which can assist to stability any detrimental marks you’ve gathered with unpaid bank card debt.

Debt consolidation may additionally impact your credit score negatively in these methods:

  • New credit score inquiry: While you apply for a mortgage, the lender does a hard credit inquiry, which exhibits up in your credit score report as a request for credit score. Your credit score rating will in all probability take a short lived dip due to that, however that impact doesn’t are inclined to final past a couple of months.
  • Fee historical past: Paying your mortgage on time will probably be good on your credit score rating — however for those who don’t make funds on time otherwise you default on the debt consolidation mortgage, it’ll hang around in your credit score report for about seven years and damage your rating.

Methods to Shield Your Credit score When You Consolidate Debt

Debt consolidation is usually a good technique as a part of a plan to repay your debt and enhance your credit score rating. Changing high-interest balances with a lower-interest mortgage is a great step towards eliminating debt, which is nice on your credit score rating.

However watch out to not make these widespread errors once you consolidate debt — they may find yourself hurting your credit score rating:

  • Don’t shut your paid accounts. Go away your bank card accounts open even after you repay the balances. If you wish to keep away from utilizing the playing cards once more, minimize up the bodily playing cards, take away the digital playing cards out of your digital pockets and erase the cardboard numbers out of your browser. Preserving outdated accounts open ensures you have got mature accounts in your credit score historical past, and the unused balances assist cut back your credit score utilization.
  • Don’t skip month-to-month funds. Plan forward to take out a mortgage with month-to-month funds you anticipate to have the ability to soak up. For those who’re developing on a month-to-month fee you gained’t make on time, contact the lender ASAP to barter a special due date, deferment or different versatile reimbursement possibility. Lacking month-to-month funds dings your credit score report and will definitely decrease your rating, along with racking you up extra debt in charges and curiosity.
  • Don’t add extra bank card debt. For those who can keep away from it, don’t use bank cards when you repay your debt consolidation mortgage. Or use them with cautious intention, and repay your purchases ceaselessly (like, each day) to keep away from carrying a brand new stability. This allows you to consider paying off simply the one debt, so you’ll be able to work towards monetary reduction.

Carry on Refinancing

You don’t should cease after one debt consolidation mortgage.

After you’ve made on-time funds for a 12 months or so, test your choices once more to see for those who may refinance to much more favorable phrases. Your optimistic fee historical past and diminished bank card debt can very probably enhance your credit score rating and increase your choices for higher loans.

Understanding that is an possibility down the highway may offer you some reduction now, too: You might must take out a high-interest mortgage with an extended reimbursement time period as a result of you have got spotty credit now. Consolidating your debt this manner may be your greatest path to getting out from underneath a mountain of irritating and complicated debt. However you don’t have to stay with these phrases endlessly.

As your credit score rating improves and your debt stability goes down, contemplate refinancing the mortgage sooner or later to get higher phrases that’ll prevent cash and aid you attain your objectives even sooner.

Often Requested Questions (FAQs) About Debt Consolidation Loans

We’ve rounded up solutions to a few of the mostly requested questions on debt consolidation loans.

What Credit score Rating Do You Want for a Consolidation Mortgage?

Loads of lenders make loans out there for debtors with unhealthy or honest credit score scores within the excessive 500s to mid 600s. Simply be careful for the rate of interest. It doesn’t often aid you to exchange your present debt with a mortgage with the next rate of interest. And a month-to-month fee you’ll be able to’t pay gained’t enhance your scenario, both.

The upper your credit score rating, the higher odds you’ll all the time have for touchdown a mortgage and getting favorable phrases. However you don’t essentially want an excellent or glorious credit score rating to get a debt consolidation mortgage.

Does Consolidation Have an effect on Credit score Rating?

Your credit score rating may be damage quickly by a debt consolidation mortgage. It may additionally damage your credit score utilization rating. Nonetheless, assembly the fee deadline on the consolidation mortgage will assist your rating over time.

Do Debt Consolidation Loans Usually Work?

Debt consolidation loans are most useful for folks with bank card debt. The consolidation loans usually have a decrease rate of interest than bank cards which suggests extra of your cash goes to pay down the mortgage quantity. In addition they work for those who meet the fee deadline.

Contributor Dana Miranda is a Licensed Educator in Private Finance® who has written about work and cash for publications together with Forbes, The New York Instances, CNBC, Insider, NextAdvisor and Inc. Journal. 


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