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NillaWafers (120 posts) Send PM | Profile | Ignore | Mon Mar-21-11 10:43 PM Original message |
I have a friend, a saint actually, who just can't make it anymore. Can you offer advice? |
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postulater (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 10:45 PM Response to Original message |
1. I hope someone here can help with this. |
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Toucano (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 10:45 PM Response to Original message |
2. A Roommate? Family? |
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pacalo (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 10:45 PM Response to Original message |
3. In what state does she live? |
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NillaWafers (120 posts) Send PM | Profile | Ignore | Mon Mar-21-11 10:48 PM Response to Reply #3 |
6. MN. |
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pacalo (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:51 PM Response to Reply #6 |
48. If she has worked in her profession for 10 years, this may help her... |
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pnwmom (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 10:46 PM Response to Original message |
4. She could probably find out for free whether those college loans |
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SirHarukaTheThird (14 posts) Send PM | Profile | Ignore | Mon Mar-21-11 10:47 PM Response to Reply #4 |
5. College loans are not wiped out in a bankruptcy |
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NillaWafers (120 posts) Send PM | Profile | Ignore | Mon Mar-21-11 10:51 PM Response to Reply #5 |
8. Yep, that is what she has been told. She got her degree in Special Ed many years ago |
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glinda (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 10:54 PM Response to Reply #8 |
13. I have a similar problem. Except I am married but still strapped. |
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jp7 (4 posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:22 PM Response to Reply #8 |
42. She should consult a bankruptcy attorney |
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veness (251 posts) Send PM | Profile | Ignore | Tue Mar-22-11 04:39 AM Response to Reply #42 |
54. JP7: Welcome to DU! n/t |
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jtown1123 (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 02:55 PM Response to Reply #8 |
81. Has she signed up for income based repayments? are her loans federal or private? |
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Lisa0825 (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 10:51 PM Response to Reply #5 |
9. Federally guaranteed student loans are not. Some private, non-guaranteed may be. nt |
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smirkymonkey (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 02:34 PM Response to Reply #5 |
79. There are ways to get rid of them - extreme financial hardship is |
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jtown1123 (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 02:54 PM Response to Reply #4 |
80. Not through bankruptcy, but if she is working in public service, she can qualify |
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treestar (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 10:50 PM Response to Original message |
7. They can't get blood out of a stone |
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NillaWafers (120 posts) Send PM | Profile | Ignore | Mon Mar-21-11 10:51 PM Response to Reply #7 |
10. That's what I said, but she can't afford an attorney. |
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treestar (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 10:56 PM Response to Reply #10 |
14. Legal aid could help |
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glinda (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 10:56 PM Response to Reply #7 |
15. The interest will just keep growing at that amount though. She needs to |
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treestar (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 10:57 PM Response to Reply #15 |
16. They could agree to it, though |
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NillaWafers (120 posts) Send PM | Profile | Ignore | Mon Mar-21-11 10:58 PM Response to Reply #15 |
17. She is 47 years old and has used up her deferments? She said she has 3 deferments and has used them |
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glinda (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:08 PM Response to Reply #17 |
30. Good luck. If you only knew what hell they have put me through. |
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demwing (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:17 PM Response to Reply #7 |
38. With Federal loans, they can try |
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anarch (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 12:41 AM Response to Reply #38 |
53. and try they will |
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vanbean (957 posts) Send PM | Profile | Ignore | Tue Mar-22-11 10:47 AM Response to Reply #7 |
73. I think you mean turnip. |
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DearAbby (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 10:52 PM Response to Original message |
11. Is it possible she can have her payments reduced |
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brewens (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 10:54 PM Response to Original message |
12. My girlfriend has the same problem with college loans. In some |
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Motown_Johnny (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 10:58 PM Response to Original message |
18. is the recycling center a volunteer job? |
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NillaWafers (120 posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:00 PM Response to Reply #18 |
21. No. She runs the recycling center and supervises the people who help make it run. |
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Motown_Johnny (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:06 PM Response to Reply #21 |
29. I don't know what to say |
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texastoast (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 10:59 PM Response to Original message |
19. There is bound to be a legal clinic that she can contact |
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EFerrari (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:00 PM Response to Original message |
20. The very first step is to call the lenders and try to negotiate |
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NillaWafers (120 posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:01 PM Response to Reply #20 |
23. Now we are getting somewhere. I can help her...but I don't know the legal stuff. |
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EFerrari (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:04 PM Response to Reply #23 |
26. Well, calling up the lender and saying honestly, |
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SoCalDem (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 05:05 AM Response to Reply #26 |
57. and ask for (beg for) interest forgiveness.. If they reduce payments but continue |
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jillan (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:00 PM Response to Original message |
22. Ask her if she has ever thought about being a respite sitter. She'll know what that is. |
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NillaWafers (120 posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:04 PM Response to Reply #22 |
27. Yes. She provided Respite Care for many years. Now, her job requires weekends and overnights. |
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jillan (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:15 PM Response to Reply #27 |
35. Oh gosh. I wish I could do something for her. She deserves better than this. |
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TheOther95Percent (202 posts) Send PM | Profile | Ignore | Tue Mar-22-11 10:41 AM Response to Reply #27 |
72. Does her employer pay her for "on call" time? |
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lonestarnot (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:01 PM Response to Original message |
24. Tell her to contact student loan folks, hopefully government loans and not private, and have |
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Lifelong Protester (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:03 PM Response to Original message |
25. I have no advice, but want to keep this kicked for the folks who might |
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dana_b (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:05 PM Response to Original message |
28. I have no idea if this is of any help |
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Poboy (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:36 PM Response to Reply #28 |
43. What types of public service jobs will qualify a borrower for loan forgiveness under this program? |
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RKP5637 (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:09 PM Response to Original message |
31. K&R!!! |
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NillaWafers (120 posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:09 PM Response to Original message |
32. I have to go to sleep now. This has been a gut-wrenching thing to experience. |
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Mojeoux (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:20 PM Response to Reply #32 |
40. Local Media? |
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riderinthestorm (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:10 PM Response to Original message |
33. No other advice than already offered. Just a K&R and a grrr at the US damn student loan extortion |
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demwing (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:13 PM Response to Original message |
34. READ THIS NOW - Ask the Guarantor of the loans to set up a Income Based Repayment plan. |
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MelissaB (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 08:14 AM Response to Reply #34 |
59. I agree. Also, have her check CreditBoards.com here to begin: |
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Iris (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 09:46 PM Response to Reply #34 |
86. I bookemarked this thread b/c I wanted to put this here but demwing has done it for me |
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lumberjack_jeff (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:15 PM Response to Original message |
36. on edit; |
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EFerrari (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:18 PM Response to Reply #36 |
39. Investors lose money everyday for reasons completely out of their control. n/t |
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wickerwoman (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:17 PM Response to Original message |
37. She should look at the recent student loan reforms and how they affect her. |
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LiberalAndProud (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:21 PM Response to Original message |
41. Maybe??? Well here's a phone number, anyway. |
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happyslug (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:40 PM Response to Original message |
44. Some questions and some general observations |
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doc03 (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:42 PM Response to Original message |
45. You mention no source of income, she has to making |
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CoffeeCat (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:47 PM Response to Original message |
46. I've been there... PLEASE READ! |
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Zoeisright (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:50 PM Response to Original message |
47. What a "great" country this is. |
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CoffeeCat (1000+ posts) Send PM | Profile | Ignore | Mon Mar-21-11 11:58 PM Response to Reply #47 |
49. I understand that people are giving advice... |
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Obamanaut (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 08:27 AM Response to Reply #47 |
65. This is not the fault of the country. But going further into debt with an attorney |
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hunter (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 10:21 AM Response to Reply #65 |
71. How is it not the fault of this country? |
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Obamanaut (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 01:52 PM Response to Reply #71 |
77. Limiting ourselves to this one instance in the OP, this is not the fault of the country. No |
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hunter (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 05:35 PM Response to Reply #77 |
84. Lending money to people who can't pay you back is "imprudent." |
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Zoeisright (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 10:06 PM Response to Reply #71 |
88. I ignore the right people! |
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niyad (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 12:17 AM Response to Original message |
50. k and r--some of the posts contained very good information |
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Liberty Belle (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 12:33 AM Response to Original message |
51. Can she come up with a side source of income? Here are a few ideas, |
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anarch (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 12:36 AM Response to Original message |
52. I wish I had anything useful to offer |
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ejpoeta (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 04:55 AM Response to Original message |
55. i am currently in ICR(income contingent repayment) where they go by your income |
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CoffeeCat (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 08:05 AM Response to Reply #55 |
58. But the problem is... |
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ejpoeta (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 08:34 AM Response to Reply #58 |
67. I appreciate what you are saying. And I know what it means having these loans hanging over your |
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CoffeeCat (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 11:05 AM Response to Reply #67 |
74. I hear you... |
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ejpoeta (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 02:24 PM Response to Reply #74 |
78. i agree. they ought to give more money to the banks. yes that is snark. |
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SoCalDem (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 05:02 AM Response to Original message |
56. The sick thing is that anyone who is FORTY-SEVEN should still be plagued by "student" loans |
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Snoutport (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 11:32 AM Response to Reply #56 |
76. I KNOW! Special Ed teacher here...my degree makes me poor! |
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MelissaB (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 08:15 AM Response to Original message |
60. Please read post 59 above. |
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MelissaB (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 08:17 AM Response to Reply #60 |
61. To be clear, Public Service Loan Forgiveness applies even if you are a janitor in a school |
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MelissaB (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 08:23 AM Response to Reply #61 |
63. Public service jobs that quaify for loan forgivness: |
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MelissaB (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 08:35 AM Response to Reply #60 |
68. I posted this info in a thread |
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Shagbark Hickory (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 08:20 AM Response to Original message |
62. College loans are not discharged in bankruptcy. They're there forever and ever til paid off. |
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Skip Intro (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 08:25 AM Response to Original message |
64. I hate to ask, but why can't someone with a college education swing $220mo rent? |
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roody (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 08:30 AM Response to Original message |
66. I have a friend who never paid his loans and never will. For years |
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NillaWafers (120 posts) Send PM | Profile | Ignore | Tue Mar-22-11 08:40 AM Response to Original message |
69. Thanks to all for a ton of great information. We are looking for a lawyer to advise. |
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PhillySane (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 08:43 AM Response to Original message |
70. Yes, contact a lawyer |
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Snoutport (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 11:31 AM Response to Original message |
75. READ THIS POST! it has some great links in it |
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zalinda (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 03:12 PM Response to Original message |
82. Before you spend money on a lawyer |
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1monster (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 05:21 PM Response to Original message |
83. There are programs that will reduce or forgive college loans for service. |
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lunatica (1000+ posts) Send PM | Profile | Ignore | Tue Mar-22-11 05:40 PM Response to Original message |
85. Bankruptcy does NOT forgive student loans |
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FeelingBlue (146 posts) Send PM | Profile | Ignore | Tue Mar-22-11 09:52 PM Response to Original message |
87. In addition to financial assistance, |
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