Department of education student loans studentaid. The William D. Students can also access financial help for their Vocational Education and Training (VET) tuition fees through (VET Student Loans) Nov 3, 2024 · On 3 November 2024 the Australian Government announced it will reduce every Australian’s HELP or student loan debt by 20%. The Department Health maintains a list of We provide customer service on behalf of your lender, including answering your questions, helping you with repayment plans, and processing your student loan payments. Public service loan forgiveness is the most common way people apply to have their student loans forgiven. Getting a loan re-credit. USI’s are: Required for a Commonwealth supported place and a HELP loan; With you for life; Easy to create; Find out more about the Unique Student Identifier moving to higher education. Today’s announcement brings the total loan forgiveness approved by the Biden-Harris Administration If you have repaid your outstanding student loans and don’t have a student loan debt balance as at 1 June 2025 you will not receive the 20% loan reduction. Additionally, there is a loan fee on all Direct PLUS Loans. Nov 4, 2024 · Federal Student Loans . . Sign in to Federal Student Aid to access your FAFSA application and manage your student loans. Dec 16, 2024 · Even if the Trump administration and congressional Republicans succeed in abolishing the Department of Education, the federal student loan portfolio — which exceeds $1 trillion — is not going If you defaulted on any of your federal student loans, contact the U. Mar 4, 2025 · Meanwhile, Trump administration officials are eyeing major cuts to Department of Education services and operations. 7 trillion student loan portfolio and the broader federal student loan program. The percentage for all Direct PLUS loans first disbursed on or after Oct. If your current loan payment is high compared to your income, we recommend you repay your loan(s) under one of the following income-driven plans. The U. A federal court issued an injunction preventing the U. Have questions about your loans or need help making your payments, we're here to help. Department of Education from implementing the Saving on a Valuable Education (SAVE) Plan and parts of other income-driven repayment (IDR) plans. Department of Education, and student loans. Feb 10, 2025 · Discussions about dismantling the U. Federal subsidized loans are low-interest loans made to students who demonstrate financial need. We deliver efficient, compliant federal loan services for the Department of Education and exceptional service for its customers. 9 billion in additional student loan debt relief for 73,600 borrowers. A SA-HELP loan can be used to pay this student services and amenities fee and is paid directly to your provider by the government. National Student Loan Jan 15, 2025 · The U. Jan 15, 2025 · I'm looking for a loan To get a Pell grant, direct loan, Parent PLUS loan or other federal aid, you must complete the FSA ID; Then the Free Application for Federal Student Aid ; Then, you should explore Eligibility requirements. S Department of Education and Department of Defense have special benefits for military service members with federal student loans. Nelnet provides federal student loan servicing, managing billing, questions, payments, and helping borrowers enroll in the best repayment plans. Contact the U. Before contacting the Ombudsman, borrowers concerned about student loans should contact their loan holder or visit our web site for further information. If you have federal Feb 4, 2025 · The Education Department is not only responsible for managing the federal student loan portfolio, which amounts to approximately $1. Department of Education can proceed in delivering $6 billion in student loan forgiveness to defrauded students, after the Supreme Court's decision. Communication breakdowns and servicer errors are other likely consequences of shutting down the Tell your employer to expect an email sent from DocuSign (dse_NA4@docusign. net) on behalf of the Department of Education's office of Federal Student Aid. Feb 13, 2025 · Efforts by the Trump administration to dismantle the Education Department are underway. Department of Education at participating schools. Federal Student Aid's Performance Dec 28, 2024 · The U. Feb 27, 2025 · The Department of Education took additional steps this week that effectively blocks affordable repayment plans and student loan forgiveness for millions of borrowers. Feb 17, 2025 · Department Of Education Student Loan Forgiveness And Aid Programs Targeted For Cuts. Jan 28, 2025 · The Department of Education said Tuesday that the pause on federal grants and loans will not affect student loans or financial aid for college. FSA Are you an FSA Employee? Use the FSA Employee page to gain access to administrative features of the services that ECSI provides to you. Nov 24, 2024 · The Higher Education Loan Program (HELP) assists eligible students with their student contribution or tuition fees from a university or other higher education provider. Subsidized Loans. 2815 Jan 15, 2025 · A list of Federal Student Aid servicers for the Direct Loan Program and for FFEL Program Loans purchased by the U. You should apply at your university's financial aid Anyone with a student loan debt, including a HELP debt will have their debt reduced by 20% before indexation is applied on 1 June 2025. Separate to your tuition fees, each semester you may have to pay a fee for student services and amenities. While some believe the agency's elimination could lead to Feb 11, 2025 · No Student Loan Forgiveness Under FERPA For Data Exposure. Department of Education (ED) has made. Third-party requestor groups: Learn about applying for group borrower defense loan discharge under the 2023 Regulation. Historical indexation will be waived for affected higher education students In 1982, President Ronald Reagan proposed dismantling the Department of Education, an agency barely two years old. Commercial Family Education Loan (FFEL) Servicing: 636. Of the many questions and logistics to figure out with breaking up the Education Department, one key issue stands out: What to do with the $1. Higher Education Discover how the Department of Education is working to ensure that all students have an onramp to a postsecondary education. The Department of Education (Department) finalized the most affordable repayment plan ever created, ensuring Sign in to your Federal Student Aid account to manage your financial aid and access resources. Loan Simulator can help you check which student loan repayment plans you’re eligible for, whether you want to. Once your employer certifies and signs your form, it will be electronically submitted for processing. Date: 12/31/2026 PSLF Your monthly payments will be 10 percent of discretionary income until changes in the Summer of 2024. Learn about recent borrower defense announcements the U. Good to Know. Loans first disbursed before that date had different loan fees. What that could mean for federal student loan borrowers. Ford Federal Direct Loan (Direct Loan) Program is a federal student loan program under which eligible students and parents borrow directly from the U. End My Session Aug 29, 2024 · Types of Loan Forgiveness. Department of Education today announced that automatic discharges will begin for 804,000 borrowers who qualify for $39 billion in student loan relief as a result of fixes to income-driven repayment (IDR) plans implemented by the Biden-Harris Administration since April 2022. PLAS Are you a Perkins Loan School? Use the Learn about federal student loans, including Direct Subsidized and Unsubsidized Loans, PLUS loans, and Direct Consolidation Loans. On Friday, the Department of Education removed the online applications for Mar 21, 2025 · The president said federal student loans would move to the Small Business Administration, and hinted that the Department of Health and Human Services would take over special education oversight. Chief Operating Officer: Richard Cordray. C. About Federal Student Aid. End My Session We provide customer service on behalf of your lender, including answering your questions, helping you with repayment plans, and processing your student loan payments. IncomeDrivenRepayment OnlineTools PSLF SaveMoney Feb 4, 2025 · The Department of Education currently manages the federal student loan system through its Office of Federal Student Aid (FSA), which handles loan disbursement, servicing and borrower assistance. Direct Subsidized Loans, Direct Unsubsidized Loans, Direct PLUS Loans, and Direct Consolidation Loans are types of Direct Loans. FAQs - 20% reduction on all outstanding HELP loans; Making HELP and student loan repayments fairer Show pages under Making HELP and student loan repayments fairer. You can also use the Federal Student Estimator to estimate your potential student aid. While the Department of Education confirmed that federal Direct loan disbursements are not impacted by the Trump administration’s funding freeze Mar 6, 2025 · The Education Department sends billions of dollars annually to K-12 schools and manages a $1. 6 trillion in student loan debt, it's also responsible for the A locked padlock) or https:// means you've safely connected to the . O. If your loans recently transferred from another federal student loan servicer, you will need to register a new account to gain access to your loan information through mohela. Department of Education (Department) today officially released the 2025–26 Free Application for Federal Student Aid (FAFSA®), 10 days before its Dec. We provide customer service on behalf of your lender, including answering your questions, helping you with repayment plans, and processing your student loan payments. We've been in the student loan industry for over 30 years, and we strive every day to find a better way to deliver exceptional student loan servicing for students and families Jan 14, 2025 · Through Federal Student Aid (a performance-based organization), the U. This means that someone with an average HELP debt of $27,600 will have their loan reduced by $5,520. Department of Education administers federal student aid programs such as Pell Grants, direct loans and work-study programs. These initiatives help students afford to attend college and participate in other post-secondary education. He has over five years of professional editing, proofreading, and writing Nelnet Federal Student Loan Services . ” Sep 5, 2024 · Federal Student Aid A U. In addition, your military service can also count toward PSLF. gov website. On this site, you can find out how to prepare for college, read about what types of aid you can get, see how you can qualify for aid, learn how you apply for aid, and find information on how to manage your loans. As a result of a change in tax law, the Internal Revenue Service (IRS) has determined that loan balances that are discharged due to Death are not considered income for federal tax purposes if the discharge occurs during the period from January 1, 2018, through December 31, 2025. Through Federal Student Aid (a performance-based organization), the U. Meanwhile, House and Senate Republicans are evaluating a number of cuts to federal student loan forgiveness Feb 13, 2025 · Dismantling the department would put Pell grants and other need-based aid programs at risk, which would disproportionately harm low-income students. warning. Here's what it could mean for students. Federal Student Aid | StudentAid. Department of Education is 52-1198289. g. Feb 12, 2025 · The Trump administration is gearing up for large changes to the Department of Education, which oversees a $1. Australian citizens, permanent humanitarian visa holders and New Zealand Special Category Visa holders who meet the long-term residency requirements enrolled in a Commonwealth supported place can access a HECS-HELP loan to pay their student contribution amount, providing they meet all of the eligibility requirements. The Higher Education Loan Program (HELP) provides financial help for students to pay: Student contributions ; Tuition fees ; Overseas study expenses ; Student service and amenities fees . 6 trillion federal student loan portfolio, but the uncertainty surrounding the agency’s future will affect millions of student loan borrowers. Learn about student loan forgiveness, discharge options, and assistance for bankruptcy or permanent disability. 2815 Oct 25, 2024 · The U. Feb 3, 2025 · “The federal Department of Education has never educated a single student, and it’s long past time to end this bureaucratic department that causes more harm than good,” said Senator Mike Nelnet provides federal student loan servicing, including billing, payments, and repayment plans. FAQs - Making students repayments fairer; Higher Education Loan Program (HELP) - Indexation Mar 12, 2025 · The Education Department required by law to release the FAFSA on or close to Oct. Feb 21, 2025 · The president is reportedly drafting an executive order to eliminate the Department of Education. Health and wellbeing services. Main Phone. Department of Jun 1, 2024 · The Department of Education and the Department of Employment and Workplace Relations are working together to provide information and support for people affected by delayed loan records. These discharges are the result of fixes made by the Administration to income-driven repayment (IDR) forgiveness and Public Service Loan Forgiveness (PSLF). Log in to explore repayment options, manage your payments, and get answers to your student loan questions. you teach full time for five complete and consecutive academic years in a low-income elementary school, secondary school, or educational service agency, and Mar 6, 2025 · The Department of Education oversees $1. gov. Feb 10, 2025 · Student Loan Oversight: The Education Department handles federal loans in tandem with other agencies, so moving this responsibility (e. 1-800-4FED-AID (1-800 Income-driven repayment plans are designed to make repaying your student loan debt more manageable by basing your monthly payment amount on your income, family size, and federal student loan debt. , to the Treasury) would be complicated and face intense public scrutiny. Your monthly payment amount will be capped at 10% or 15% of your discretionary income (depending on when you received your first loans). We pay our respects to them and their cultures, and Elders past and present. Starting in the Summer 2024, borrowers on the SAVE plan will have their payments on undergraduate loans cut in half (reduced from 10% to 5% of income above 225% of the poverty line). Aidvantage manages the Consolidation Loan origination process on behalf of the U. Here's what it could mean for the 42 million Americans with federal student loans. 534. The terms “forgiveness,” “cancellation,” and “discharge” mean essentially the same thing. Jan 28, 2025 · The Education Department said Trump's freeze on federal aid will not affect federal Pell Grants and student loans. Mar 6, 2025 · How the student loan system will be managed going forward is currently uncertain, but one thing is black and white—the shutting down of the Department of Education would not cancel student loans Feb 14, 2025 · Eliminating the Department of Education wouldn’t magically cancel student loans and debt. Mar 20, 2025 · A full 60% of the Education Department’s 2024 budget (or $160 billion) went to the Office of Federal Student Aid, which administers Pell Grants, federal direct subsidized loans, federal direct . The loan fee is a percentage of the loan amount and is proportionately deducted from each loan disbursement. Jan 2, 2025 · If the Department of Education was dismantled, it's much more likely that an agency like the Department of Justice, Department of Labor, or Treasury Department could be put in charge of student loans. 6 trillion portfolio of student loans. Student services and amenities fee loan. 3 days ago · The Department of Education is mandated by federal law to offer these repayment programs to student loan borrowers, which allow for affordable payments tied to income and can lead to eventual Feb 23, 2024 · Health Education Assistance loans. Death Discharge. The Department of Education acknowledges the traditional owners and custodians of country throughout Australia and their continuing connection to land, waters and community. Mar 6, 2025 · The Department of Education plays a pivotal role in the US education system but may be best known for managing federal financial aid for millions of student loan borrowers. Se habla español. End My Session Mar 12, 2025 · The U. The federal government would own the loans, and borrowers would still be responsible for repayment. Find out if you qualify for a loan forgiveness program. Department of Education's office of Federal Student Aid with questions about applying for aid and the FAFSA form, loan repayment, and more. FAQs - 20% reduction on all outstanding HELP loans; Making HELP and student loan repayments fairer Show pages under Making HELP and student loan repayments fairer Log in to manage your student loans, including billing, questions, and payments. 9 million borrowers. Except as expressly authorized by the U. Please allow approximately 10 business days after MOHELA receives the transfer for your full account details to be available. Explore information and ways to help your student successfully manage their student loan. Jan 14, 2025 · Ward Williams is a full-time Editor for Investopedia focused on student loans and other financial products and services. Federally-owned student loans include Direct Loan Program loans, TEACH Grants converted to Direct Unsubsidized Loans, FFEL Program loans purchased by the U. We've been in the student loan industry for over 30 years, and we strive every day to find a better way to deliver exceptional student loan servicing for students and families Your session will time out in: 0 undefined 0 undefined. Americans were not accustomed to such a massive role for the federal government in education, which had always been a local and state function. Department of Education. Department of Education from implementing parts of the Saving on a Valuable Education (SAVE) Plan and other IDR plans. IDR Forgiveness and Account Adjustment this link will open in a new window Headquartered in Knoxville, Tennessee, Edfinancial Services is your student loan servicer. Louis, MO 63179-0453 Apr 17, 2023 · The U. Nov 3, 2024 · Higher Education Loan Program (HELP) Show pages under Higher Education Loan Program (HELP) 20% reduction of student loan debt Show pages under 20% reduction of student loan debt. The reduction will only apply to debt that exists on balances as at 1 June 2025. The Department will provide additional updates here when there are further developments. or at 636-532-0600 (International)] from International locations. Monthly Payment Calculation. title. compare repayment results (like a lower monthly payment), enroll in a new plan based on your end goal, Tax Implications if Your Loans are Discharged. Dec 28, 2024 · The U. This discharge brings the total amount of relief approved for borrowers whose schools took advantage of them, closed, or are covered by related court settlements to $34 billion for more than 1. You can also use it to decide whether to consolidate your student loans. One way to get out of default is to repay the defaulted loan in full, but that's not a practical option for most borrowers. Department of Education (Department) also conducted its own separate review of the evidence from California. Mar 20, 2025 · Department Of Education Fallout: Student Loan Servicing Issues And Increased Borrower Confusion. Nov 7, 2024 · The Biden administration's work to cancel student loan debt for tens of millions of Americans will likely come to an end with the election of Donald Trump. These initiatives help students afford to attend college and The National Student Loan Data System (NSLDS) is the national database of information about loans and grants awarded to students under Title IV of the Higher Education Act (HEA) In certain situations, you can have your federal student loans forgiven, canceled, or discharged. 1, allowing students and their families to apply for loans and other student aid during the college application Access your Federal Student Aid dashboard to manage your financial aid and student loans. 228%. According to MarketWatch, proposals include slashing student loan servicing If your school closes while you're enrolled or soon after you withdraw, you may be eligible for discharge of your federal student loan(s). Department of Education announced it had initiated mass layoffs on Tuesday, reducing staff by about half, raising questions about what it may mean for student loans. This was not as radical a move for his administration as it may sound to modern ears. “It’s likely that the [Trump] administration will abandon forgiveness programs,” he said, “whenever and wherever possible. If the borrower, or the student on whose behalf the loan was obtained, dies, the loan may be discharged. Jan 19, 2024 · The Biden-Harris Administration announced today the approval of $4. S. We've been in the student loan industry for over 30 years, and we strive every day to find a better way to deliver exceptional student loan servicing for students and families A Direct Consolidation Loan allows you to consolidate (combine) multiple federal student loans into one loan with a single monthly payment. STUDENTS Are you a Student or Borrower? Use the Student/Borrower page to access and manage your account, make a payment, view transaction history, and more. Use the application below to consolidate your loans. Feb 5, 2025 · The debate over student loan policies has intensified as President Donald Trump's administration considers sweeping changes to the Department of Education. There are different types of HELP loans available, depending on the student's circumstances. Details of this announcement are available at Making student repayments fairer. Your session will time out in: 0 undefined 0 undefined. Ford Federal Direct Loan (Direct Loan) Program OMB No. Department of Education (DoE) have led to widespread speculation about the future of student loans. Manage your student loans, apply for financial aid, and understand the aid process with Federal Student Aid. Loan Simulator helps you estimate monthly student loan payments and choose a loan repayment option that best meets your needs and goals. Department of Education website for people to find information about student loans. 20% reduction of student loan debt Show pages under 20% reduction of student loan debt. The department issues about $100 billion in student loans a year along with $30 billion in Pell Grants. However, there will also be staff cuts in every division within the department. Call us at 1-888-866-4352 (Toll Free) from the U. § 1030, and other applicable statutes, which may result in fines and imprisonment. To pay off your loans by mail, send a check or money order (include your account number) to our payment address for Direct Loans and Federally-owned FFEL Program loans: Department of Education - MOHELA P. Compare federal student loan repayment plans, including the new Saving on a Valuable Education (SAVE) Plan, using our student loan calculator to see which plan best meets your goals. Feb 5, 2025 · To be extra thorough, it also may be a good idea to download and retain key records from your student loan servicer account. Undergraduates may borrow up to $3,500 for the first year, $4,500 for the second year and $5,500 for each remaining undergraduate year. Department of Education awards more than $120 billion a year in grants, work-study funds, and low-interest loans to approximately 13 million students. We've been in the student loan industry for over 30 years, and we strive every day to find a better way to deliver exceptional student loan servicing for students and families In certain situations, you can have your federal student loans forgiven, canceled, or discharged. The Department of Education outsources student loan servicing to four Feb 18, 2025 · Lawsuit Accuses Department Of Education Of Putting Millions Of Student Loan Borrowers At Risk. For more information about student loan interest deduction, visit the IRS's Tax Benefits for Education: Information Center. Mar 14, 2025 · Find contact information for offices within the U. Welcome to Aidvantage! Aidvantage is here to help you better understand and manage repayment of your federal student loans. common. Teacher Loan Forgiveness. After you apply for a Consolidation Loan, or request to add loans to your new Consolidation Loan, Aidvantage will be your point of contact for any questions you may have. Around one million Australians will benefit from the changes to make the HELP and student loan repayment system fairer. HECS-HELP. StudentAid. In total, the Biden-Harris Administration has approved more than $116 billion in student loan forgiveness for The Ombudsman Office is a final resource after individuals look for help through other customer service avenues. 0 undefined 0 undefined undefined 0 undefined Nov 13, 2024 · In that case, a lot of current student loan benefits at the Education Department could face death by neglect — regardless of what happens with the department overall. Earlier this month, the University of California Student Association, represented by Public Citizen A federal court issued an injunction preventing the U. Closures and defaults cause uncertainty and disruption for students. Benefits include interest rate caps under the Servicemembers Civil Relief Act and Department of Defense student loan repayment programs. Department of Education is reviewing the recent Executive Order regarding the Public Service Loan Forgiveness Program. Mar 20, 2025 · The move still promises to upend the key functions the department performs in the broader education system, which include oversight of the federal student loan portfolio, civil rights enforcement Aug 14, 2023 · The U. content. Borrowers, policymakers and educators Mar 28, 2021 · Federal Student Aid recognizes the important work members of the community do in assisting consumers with the servicing and collection of their federally-owned loans. This builds on the changes to make HELP and student loan repayments fairer that the Government announced on 2 November 2024. Department of Education, unauthorized attempts to access, obtain, upload, modify, change, and/or delete information on this system are strictly prohibited and are subject to criminal prosecution under 18 U. Estimates of aid. 1, 2020, is 4. Department of Education is available on our Loan Servicer page. 1 goal. Department of Education from implementing parts of the Saving on a Valuable Education (SAVE) Plan and other IDR plans, including - for example - SAVE's monthly payment formula and loan forgiveness under SAVE, PAYE, and ICR plans. Learn about income-driven repayment plans for federal student loans, including eligibility, application process, and benefits. Jan 28, 2025 · Federal student loans, Pell Grants not tied up in funding pause, but will be reviewed The Office of Management and Budget has, however, asked the Education Department to clarify whether federal If you are starting university as a new student in 2021, you will need to apply for a Unique Student Identifier (USI). Department of Education (ED) uses several loan servicers to handle the billing and other services on loans for the William D. Manage your federal student loans, make payments, and explore repayment options on Federal Student Aid. If you’re a borrower looking for help with your federal student loan(s) serviced by Nelnet, please visit Nelnet. Get information about the Sweet v. Department of Education (Department) today announced the next step in its ongoing efforts to provide student debt relief—a set of proposed rules that, if finalized, would authorize loan forgiveness for approximately 8 million borrowers experiencing hardship. Federal Student Aid offers income-driven repayment plans based on your income and family size. gov Page 1 of 16 Public Service Loan Forgiveness (PSLF) & Temporary Expanded PSLF (TEPSLF) Certification & Application William D. Please check this page for additional information as developments occur. That means you won’t have to pay back some or all of your loan(s). National Student Financial Aid Scheme (NSFAS) The National Student Financial Aid Scheme (NSFAS), a statutory body funded by the Department of Education, provides study loans to academically able but financially needy students. Your monthly payments will be based on your eligible federal student loan debt, family size, and your income. One of the online rumors circulating among borrowers on social media platforms is that DOGE’s access to Department of Education data Jan 15, 2025 · A Federal Court issued an injunction preventing the U. The size of the initial NSFAS loan ranges from R2 000 to R30 000. Feb 10, 2025 · Limiting New Federal Direct Student Loans. USAID, with a narrower mission, is easier for the president to adjust through executive powers. 5 trillion in student loan debt for over 40 million borrowers, the Education Department represents one of the largest holders of consumer debt in the country. Department of Education's Default Resolution Group at 1-800-621-3115 as soon as possible so you can explain your situation fully and discuss your options. You may be eligible for Teacher Loan Forgiveness of up to $17,500 if. The Program is not changing today, and borrowers do not need to take any action. 6 trillion in federal student loans and provides funding for low-income students through grants and other financial assistance programs. Feb 24, 2025 · Department Of Education Removes Online Applications Critical For Pursuing Student Loan Forgiveness And Lower Payments. Funding your education The U. View further information for Vocational Education and Training Students. Box 790453 St. Complete the Free Application for Federal Student Aid (FAFSA) form to apply for financial aid and renew it each school year. Direct or FFEL loans that went into default after the payment pause, which ended in October We provide customer service on behalf of your lender, including answering your questions, helping you with repayment plans, and processing your student loan payments. Feb 4, 2025 · The Trump administration is looking to shut down the Education Department. 1845-0110 Form Approved Exp. Jun 30, 2023 · The Secretary of Education initiated a rulemaking process aimed at opening an alternative path to debt relief for as many working and middle-class borrowers as possible, using the Secretary's authority under the Higher Education Act. Once you have a Higher Education Loan Program (HELP) loan you need to know how to check what you owe, how you make HELP debt repayments and what to do if you identify incorrect charges. Share sensitive information only on official, secure websites The federal tax ID for your student loans owned by the U. sessionTimeout. Managing approximately $1. Ford Federal Direct Loan (Direct Loan) Program and for loans that were made under the Federal Family Education Loan (FFEL) Program and that ED later purchased. If there are no suitable replacement courses available to you, you are entitled to a loan re-credit on the portion of your course which has been paid for but not delivered. Student loans involved in litigation with the Department of Justice. In 2021, the Department of Education revived Mar 12, 2025 · For student loan borrowers, the department will continue to deliver student loans and Pell Grants. Sign in to access your Federal Student Aid account and manage your student loans. Nov 2, 2024 · On 2 November 2024 the Australian Government announced changes to repayments for the Higher Education Loan Program (HELP) and other student loan schemes. Current students should contact their financial aid office first. fuuor pldzx vqn xnfpl wnbfsmt pzb kobto mdzmswyv inntxg zoahm vdufzgch mxk nluwn cyl kjf