Total Cost to Study in USA: Complete Guide for International Students 2026

Dec-07-2025
Dipesh Bhatt

Are you planning to study in the USA in 2026? Understanding the complete financial picture is crucial before embarking on your American education journey. From tuition fees and visa costs to accommodation expenses and health insurance, this comprehensive guide breaks down every expense you need to encounter as an international student pursuing education in the United States.

The USA has consistently remained the world's top study destination for international students, hosting over 1 million students annually from across the globe. With world-renowned universities, cutting-edge research facilities, diverse academic programs, and unparalleled career opportunities, America offers an educational experience unlike any other. However, studying in the USA requires substantial financial preparation and strategic planning to make your dream both affordable and achievable.

In this detailed guide, we'll explore the total cost to study in the USA in 2026, including tuition fees across different programs, visa application expenses, mandatory health insurance, living costs by state, bank balance requirements, and practical money-saving strategies that can reduce your overall expenditure by tens of thousands of dollars. Whether you're planning for a bachelor's degree, master's program, or doctoral studies, you'll find accurate cost estimates in both USD and NPR to help you budget effectively.

Let's dive into the real numbers and discover how you can make studying in the USA financially feasible.

Table of content

Why Study in the USA from Nepal?
Total Cost to Study in USA from Nepal
1. Tuition Fees in USA for International Students
2. Bachelors Tuition Fees in USA for International Students
3. Masters Tuition Fees in USA for International Students
4. Doctoral Programs (PhD)
5. Factors Affecting Tuition Costs
6. School Fees in USA Per Month vs Per Semester
Living Costs in USA for Nepali Students
1. Accommodation Options and Costs
2. State-by-State Living Cost Comparison
Health Insurance Cost for International Students in USA
1. What Health Insurance Covers
2. What Health Insurance Doesn't Cover
3. Cost Breakdown
4. Cost Variations by Institution Type
5. Coverage Specifics
6. How to Purchase Health Insurance
Other Costs Before Departure from Nepal
1. F-1 Student Visa Application Fee
2. SEVIS Fee
3. Medical Examination
4. English Language Test Fees
5. Additional Preparation Costs:
6. Standardized Test Fees (Graduate Programs)
Conclusion

Why Study in the USA from Nepal?

The United States hosts over 4,000 accredited universities and colleges, with more than 150 consistently ranked among the world's top institutions. American degrees are universally recognized and highly valued by employers globally. The education system emphasizes critical thinking, innovation, research excellence, and practical application that prepare students for leadership roles worldwide.

For Nepali students specifically, the USA offers several compelling advantages that justify the investment:

Academic Excellence and Diversity: From Ivy League institutions like Harvard, Yale, and Princeton to prestigious state universities like UC Berkeley, University of Michigan, and UT Austin, American universities offer unmatched academic quality across every field imaginable. Whether you're interested in engineering, business, computer science, healthcare, or liberal arts, you'll find world-class programs.

Research and Innovation Hub: The USA invests more in research and development than any other country. Students gain access to cutting-edge laboratories, industry partnerships, and groundbreaking research opportunities that can launch exceptional careers.

Flexible Education System: American universities offer incredible flexibility in course selection, allowing students to explore different subjects before declaring a major. The credit system enables students to design personalized academic paths that align with their career goals.

Work Opportunities: International students can work on-campus up to 20 hours per week during semesters. After graduation, STEM graduates can work in the USA for up to 3 years through Optional Practical Training (OPT), while non-STEM graduates receive 12 months of work authorization.

Cultural Experience and Global Network: Studying in America provides exposure to diverse cultures, perspectives, and networking opportunities with students from over 200 countries. The Nepali community is well-established in major cities, making the transition smoother for newcomers.

Career Opportunities and Earning Potential: American degrees significantly boost earning potential and career prospects globally. The average starting salary for bachelor's degree holders in the USA exceeds $55,000 annually, with STEM fields commanding even higher compensation.

However, all these benefits come with substantial costs that require careful financial planning. Let's break down every expense category to give you a complete picture.

Total Cost to Study in USA from Nepal

The total cost to study in the USA per year varies significantly based on your chosen university, program, and location. On average, international students should budget USD 50,000-80,000 annually (approximately NPR 66-105 lakh) for a comprehensive educational experience including tuition, living expenses, insurance, and personal costs.

For a complete degree program:

Bachelor's Degree (4 years): USD $200,000 - $320,000 (NPR 2.6-4.2 crore)
Master's Degree (2 years): USD $100,000 - $160,000 (NPR 1.3-2.1 crore)
PhD Program (5 years): Often funded with stipends; out-of-pocket costs minimal

Tuition Fees in USA for International Students

Tuition fees represent the largest component of your study expenses in the USA. The costs vary dramatically based on institution type, program, and location. American universities typically operate on a semester system, with some offering summer sessions.

Bachelors Tuition Fees in USA for International Students

Undergraduate degrees in the USA typically take four years to complete. Bachelors tuition fees in USA for international students range widely based on institution type:

Community Colleges (2-year programs leading to Associate degrees):

Annual Tuition: USD $8,000 - $12,000 (NPR 10.5-15.8 lakh)
Total Program Cost: USD $16,000 - $24,000 (NPR 21-31.6 lakh)
Many Nepali students use community colleges as affordable pathways to bachelor's degrees through 2+2 transfer programs

Public Universities (State Schools) - Out-of-State Tuition:

Annual Tuition: USD $25,000 - $40,000 (NPR 33-52.6 lakh)
Total 4-Year Cost: USD $100,000 - $160,000 (NPR 1.3-2.1 crore)
Universities: University of California system, University of Texas, University of Florida, Ohio State University

Private Universities:

Annual Tuition: USD $35,000 - $60,000 (NPR 46-79 lakh)
Total 4-Year Cost: USD $140,000 - $240,000 (NPR 1.8-3.2 crore)
Universities: Boston University, Syracuse University, Northeastern University, New York University

Ivy League and Elite Private Universities:

Annual Tuition: USD $55,000 - $65,000 (NPR 72-85.5 lakh)
Total 4-Year Cost: USD $220,000 - $260,000 (NPR 2.9-3.4 crore)
Universities: Harvard, Yale, Princeton, MIT, Stanford, Columbia

Popular undergraduate programs for Nepali students include Computer Science, Engineering, Business Administration, Data Science, Healthcare Administration, and Biotechnology.

Masters Tuition Fees in USA for International Students

Graduate programs are the most popular choice among Nepali students pursuing American education. Masters tuition fees in USA for international students typically range as follows:

Public Universities (Out-of-State):

Annual Tuition: USD $20,000 - $40,000 (NPR 26-52.6 lakh)
Total Program Cost (1-2 years): USD $40,000 - $80,000 (NPR 52.6-105 lakh)
Most master's programs take 1.5-2 years to complete

Private Universities:

Annual Tuition: USD $30,000 - $55,000 (NPR 39.5-72.4 lakh)
Total Program Cost: USD $60,000 - $110,000 (NPR 79-145 lakh)

MBA Programs (Business Administration):

Top-Tier MBA Programs: USD $60,000 - $75,000 per year (NPR 79-98.7 lakh)
Total 2-Year MBA Cost: USD $120,000 - $150,000 (NPR 1.6-1.97 crore)
Universities: Harvard Business School, Stanford GSB, Wharton, MIT Sloan

STEM Master's Programs (Computer Science, Engineering, Data Science):

Annual Tuition: USD $35,000 - $55,000 (NPR 46-72.4 lakh)
Advantage: 3-year OPT work authorization vs. 12 months for non-STEM

Popular master's programs for Nepali students include MS in Computer Science, MS in Data Science, MBA, MS in Engineering, MS in Public Health, and MS in Information Technology.

Doctoral Programs (PhD)

PhD programs in the USA typically take 5-7 years to complete. Unlike bachelor's and master's programs, most PhD candidates receive funding packages that cover tuition and provide living stipends.

Funded PhD Programs:

Tuition: Fully covered by assistantships or fellowships
Living Stipend: USD $25,000 - $40,000 annually (NPR 33-52.6 lakh)
Out-of-Pocket Cost: Minimal to none for high-achieving students

Unfunded PhD Programs (rare, typically in professional fields):

Annual Tuition: USD $30,000 - $60,000 (NPR 39.5-79 lakh)
Total Program Cost: USD $150,000 - $300,000+ (NPR 1.97-3.95 crore)

Most PhD candidates in STEM fields, social sciences, and humanities receive full funding through teaching assistantships (TA), research assistantships (RA), or university fellowships. Business and professional doctoral programs may require partial self-funding

Factors Affecting Tuition Costs

Several variables significantly influence how much you'll pay for tuition:

Institution Type and Reputation: Public state universities charge lower tuition than private institutions. However, international students pay "out-of-state" tuition at public universities, which can be 2-3 times higher than in-state rates. Elite private universities and Ivy League schools command premium fees but often offer generous financial aid packages.
Geographic Location: Universities in expensive cities (New York, Boston, San Francisco, Los Angeles) typically charge higher tuition than those in smaller cities or rural areas. However, location shouldn't be your only consideration; academic quality and career opportunities matter equally.
Field of Study: Programs requiring specialized equipment, laboratories, or facilities cost more. Engineering, medicine, dentistry, and laboratory sciences typically have higher tuition than humanities, education, or liberal arts programs. Business schools and law schools also charge premium rates.
Program Level and Duration: Graduate programs generally cost more per year than undergraduate programs. Professional degrees command the highest tuition. Accelerated programs allow faster completion, potentially saving on overall costs.
Credit Hours: Many universities charge per credit hour. Full-time enrollment typically requires 12-18 credits per semester. Taking maximum credits or summer courses can help you graduate earlier and save money.

School Fees in USA Per Month vs Per Semester

Understanding the school fees in the USA per month versus per semester helps with budgeting and financial planning.

Semester System Breakdown

Most American universities operate on a semester system with two main terms:

Fall Semester: August/September - December (approximately 16 weeks)
Spring Semester: January - May (approximately 16 weeks)
Summer Session (optional): May/June - August (8-12 weeks)

Total Cost to Study in USA Per Semester

Undergraduate Programs (per semester):

Community College: USD $4,000 - $6,000 (NPR 5.3-7.9 lakh)
Public University: USD $12,500 - $20,000 (NPR 16.5-26.3 lakh)
Private University: USD $17,500 - $30,000 (NPR 23-39.5 lakh)

Graduate Programs (per semester):

Public University: USD $10,000 - $20,000 (NPR 13.2-26.3 lakh)
Private University: USD $15,000 - $27,500 (NPR 19.7-36.3 lakh)

Monthly Cost Breakdown

To calculate school fees in USA per month, divide semester tuition by 4-5 months:

Undergraduate Monthly Tuition Equivalent:

Community College: USD $1,000 - $1,500/month (NPR 1.3-1.97 lakh)
Public University: USD $3,125 - $5,000/month (NPR 4.1-6.6 lakh)
Private University: USD $4,375 - $7,500/month (NPR 5.8-9.9 lakh)

Graduate Monthly Tuition Equivalent:

Public University: USD $2,500 - $5,000/month (NPR 3.3-6.6 lakh)
Private University: USD $3,750 - $6,875/month (NPR 4.95-9.1 lakh)

Payment Plans

Many universities offer tuition payment plans that allow you to spread semester costs across monthly installments:

Installment plans: 3-5 monthly payments per semester
Service fee: USD $25 - $100 per semester
Benefits: Easier cash flow management, no interest charges (typically)

Additional Semester Fees

Beyond tuition, expect these mandatory fees per semester:

Student Activity Fee: USD $100 - $500
Health Services Fee: USD $150 - $400
Technology Fee: USD $100 - $300
Recreation/Athletics Fee: USD $100 - $400
Total Additional Fees: USD $450 - $1,600 per semester (NPR 59,400-2.1 lakh)

Living Costs in USA for Nepali Students

Living expenses in the USA vary dramatically by location. Urban areas and coastal cities cost significantly more than smaller towns and inland states.

Expense Category	Monthly Cost (USD)	Annual Cost (USD)	Monthly Cost (NPR)	Annual Cost (NPR)
Accommodation	$800 - $2,000	$9,600 - $24,000	NPR 1.06 lakh - NPR 2.64 lakh	NPR 12.7 lakh - NPR 31.7 lakh
Food & Groceries	$300 - $600	$3,600 - $7,200	NPR 39,600 - NPR 79,200	NPR 4.75 lakh - NPR 9.5 lakh
Transportation	$100 - $300	$1,200 - $3,600	NPR 13,200 - NPR 39,600	NPR 1.58 lakh - NPR 4.75 lakh
Utilities & Internet	$100 - $200	$1,200 - $2,400	NPR 13,200 - NPR 26,400	NPR 1.58 lakh - NPR 3.17 lakh
Phone Plan	$40 - $80	$480 - $960	NPR 5,280 - NPR 10,560	NPR 63,360 - NPR 1.27 lakh
Personal & Entertainment	$150 - $400	$1,800 - $4,800	NPR 19,800 - NPR 52,800	NPR 2.38 lakh - NPR 6.34 lakh
Books & Supplies	$100 - $150	$1,200 - $1,800	NPR 13,200 - NPR 19,800	NPR 1.58 lakh - NPR 2.38 lakh
Health Insurance	$150 - $400	$1,800 - $4,800	NPR 19,800 - NPR 52,800	NPR 2.38 lakh - NPR 6.34 lakh
Total	$1,740 - $4,130	$20,880 - $49,560	NPR 2.30 lakh - NPR 5.45 lakh	NPR 27.6 lakh - NPR 65.4 lakh

Accommodation Options and Costs

On-Campus Housing (Dormitories):

Cost: USD $800 - $1,500/month (NPR 1.06-1.97 lakh)
Includes: Furnished room, utilities, internet
Advantages: Convenient, safe, social environment
Disadvantages: Limited privacy, strict rules, may require meal plans

Off-Campus Apartments:

Shared Apartment: USD $600 - $1,200/month (NPR 79,200-1.58 lakh)
Studio/1-Bedroom: USD $1,000 - $2,500/month (NPR 1.32-3.3 lakh)
Advantages: More independence, potentially cheaper if shared
Disadvantages: Requires furniture, utilities separate, lease commitments

Homestay:

Cost: USD $800 - $1,200/month (NPR 1.06-1.58 lakh)
Includes: Room, meals, cultural immersion
Advantages: Food included, family support, improve English
Disadvantages: Less independence, house rules

State-by-State Living Cost Comparison

State / Region	Annual Living Cost (USD)	Annual Living Cost (NPR)	Remarks
New York / California / Massachusetts	$25,000 - $35,000	NPR 33 lakh - NPR 46.2 lakh	Highest living costs - major metropolitan areas
Illinois / Washington / New Jersey	$22,000 - $28,000	NPR 29 lakh - NPR 37 lakh	High cost - major cities like Chicago, Seattle
Texas / Florida / Georgia	$18,000 - $24,000	NPR 23.7 lakh - NPR 31.7 lakh	Moderate cost - good balance, no state income tax
Arizona / Colorado / North Carolina	$17,000 - $23,000	NPR 22.4 lakh - NPR 30.4 lakh	Moderate cost - growing cities with opportunities
Ohio / Michigan / Indiana	$15,000 - $20,000	NPR 19.8 lakh - NPR 26.4 lakh	Affordable - Midwestern states with good universities
Iowa / Nebraska / Kansas / Oklahoma	$14,000 - $18,000	NPR 18.5 lakh - NPR 23.7 lakh	Most affordable - smaller cities, lower competition

Health Insurance Cost for International Students in USA

Health insurance is mandatory for all international students in the USA. Unlike many countries with universal healthcare, the United States has a private healthcare system with extremely high costs. Without insurance, a single emergency room visit can cost thousands of dollars.

What Health Insurance Covers

Comprehensive student health insurance typically includes:

Doctor visits and consultations
Emergency room treatment
Hospital stays and surgeries
Prescription medications
Laboratory tests and diagnostic imaging
Mental health services
Preventive care
Urgent care visits
Physical therapy
Maternity care

What Health Insurance Doesn't Cover

Standard student health insurance typically excludes:

Dental care
Vision care
Cosmetic procedures
Pre-existing conditions
Experimental treatments
Treatment obtained outside the USA
Sports injuries from high-risk activities

Cost Breakdown

University-Sponsored Health Insurance Plans:

Annual Cost: USD $1,800 - $4,800 (NPR 2.38-6.34 lakh)
Per Semester: USD $900 - $2,400 (NPR 1.19-3.17 lakh)
Monthly Equivalent: USD $150 - $400 (NPR 19,800-52,800)

Private Health Insurance (if waiving university plan):

Annual Cost: USD $1,500 - $3,500 (NPR 1.98-4.62 lakh)
Must meet university minimum coverage requirements

Cost Variations by Institution Type

Institution Type	Annual Insurance Cost (USD)	Approximate in NPR
Community Colleges	$1,500 - $2,500	NPR 1.98 lakh - NPR 3.3 lakh
Public Universities	$2,000 - $3,500	NPR 2.64 lakh - NPR 4.62 lakh
Private Universities	$2,500 - $4,800	NPR 3.3 lakh - NPR 6.34 lakh
Ivy League Universities	$3,500 - $5,000	NPR 4.62 lakh - NPR 6.6 lakh

Coverage Specifics

Typical Coverage Limits:

Annual Maximum: USD $100,000 - Unlimited
Deductible: USD $100 - $1,000
Copayment: USD $10 - $50 per doctor visit
Coinsurance: 80/20 or 90/10
Out-of-Pocket Maximum: USD $3,000 - $8,000 annually

How to Purchase Health Insurance

Option 1: University-Mandated Plan (Most Common):

Automatically enrolled when you register for classes
Cost added to your tuition bill
Simplest option with guaranteed acceptance
Coverage specifically designed for students

Option 2: Waive University Plan (If You Find Cheaper Alternative):

Purchase private insurance meeting university requirements
Submit waiver form with proof of coverage
Deadline typically in first 2-3 weeks of semester
Must meet minimum coverage standards

Option 3: International Student Insurance Plans:

Companies like ISO, IMG, Seven Corners offer plans
Designed specifically for international students
Often more affordable than university plans
Ensure they meet your university's requirements

Important: Never study in the USA without health insurance. Medical costs are extraordinarily high, and a single accident or illness could bankrupt you financially.

Other Costs Before Departure from Nepal

Beyond tuition and living expenses, several one-time costs arise before you leave Nepal. Planning for these expenses ensures you're not caught off-guard during the application process.

F-1 Student Visa Application Fee

Applicant Type	Visa Application Fee (USD)	Approx. Fee (NPR)
Main Applicant (F-1 Student)	$185	NPR 24,420
F-2 Dependent (Spouse/Child)	$185	NPR 24,420

The F-1 student visa fee is paid through the U.S. visa application system and is non-refundable, even if your visa is denied.

SEVIS Fee

The Student and Exchange Visitor Information System (SEVIS) fee is mandatory for all F-1 students:

SEVIS I-901 Fee: USD $350 (NPR 46,200)
Payment: Online at fmjfee.com before visa interview
One-time fee per degree program
F-2 Dependents: No separate SEVIS fee required

Medical Examination

While the USA doesn't require pre-arrival medical examinations for student visas, you may need:

General Health Checkup: NPR 5,000 - NPR 10,000
Vaccinations Required by University: USD $100 - $300 (NPR 13,200 - NPR 39,600)
- MMR (Measles, Mumps, Rubella)
- Hepatitis B
- Meningococcal vaccine (required by most universities)
- Tuberculosis skin test
- COVID-19 vaccination

Many universities require proof of immunization before allowing class registration.

English Language Test Fees

Test Name	Test Fee (USD)	Approx. Fee (NPR)	Result Time	Acceptance & Notes
TOEFL iBT	$190 - $220	NPR 25,080 - NPR 29,040	6-10 days	Most widely accepted; minimum 79-100
IELTS Academic	$220 - $240	NPR 29,040 - NPR 31,680	5-7 days	Accepted by most universities; minimum 6.5-7.5
PTE Academic	$200 - $230	NPR 26,400 - NPR 30,360	Within 48 hours	Growing acceptance; computer-based
Duolingo English Test	$49	NPR 6,468	Within 48 hours	Increasingly accepted; affordable online option

Additional Preparation Costs:

Preparation Course/Materials: NPR 10,000 - NPR 30,000
Retake Cost: Same as test fee (budget for potential retakes)

Standardized Test Fees (Graduate Programs)

For Master's Programs:

GRE (Graduate Record Examination): USD $220 (NPR 29,040)
- Required for most graduate programs
- Preparation materials: NPR 5,000 - NPR 20,000

For MBA Programs:

GMAT (Graduate Management Admission Test): USD $275 (NPR 36,300)
- Required for business school admissions
- Preparation course: NPR 10,000 - NPR40,000

For Medical Programs:

MCAT (Medical College Admission Test): USD $330 (NPR 43,560)

Money-Saving Tips:

Book 2-3 months in advance for best prices
Fly mid-week (Tuesday-Thursday) for cheaper fares
Compare multiple airlines and routes
Consider flights with longer layovers (often USD $200 - $400 cheaper)
Join airline frequent flyer programs

Document Preparation and Translation

Official Transcripts: NPR 1,000 - NPR 3,000 per institution
Degree Certificates: NPR 500 - NPR 1,500
Bank Statements and Financial Documents: NPR 1,000 - NPR 2,000
Passport: NPR 5,000 - NPR 20,000 (depending on type)
Notarization and Attestation: NPR 2,000 - NPR 5,000
Document Translation (if needed): NPR 500 - NPR 2,000 per document
Application Fees (5-10 universities): USD $500 - $1,000 (NPR 66,000 - NPR 1.32 lakh)
Credential Evaluation (WES, ECE): USD $200 - $350 (NPR 26,400 - NPR 46,200)

Conclusion

Studying in the USA is an excellent investment in your education and future career but it requires careful financial planning. The total cost to study in the USA varies widely: community colleges and some public institutions offer more affordable paths, while private and Ivy League schools command premium tuition. For Nepali students, a realistic annual budget ranges from USD $30,000 (very affordable choices) to USD $80,000+ (premium private universities and expensive cities).

Key action items:

Identify target universities and gather exact tuition + fees.
Build a first-year budget including one-time pre-departure costs and an emergency buffer.
Aggressively pursue scholarships, assistantships, and part-time work options.
Compare health insurance plans and housing options to find immediate savings.

With early planning, smart university choices (like 2+2 pathways), and scholarship hunting, you can reduce total costs by tens of thousands of dollars and make your American education financially feasible. Start early, keep docs organized, and revisit your budget each semester.

Frequently Asked Questions (FAQs)

What is the total cost to study in the USA per year?
It varies by university, degree level, and location. On average, international students should budget USD $50,000 - $80,000 per year for tuition, living expenses, insurance, and personal costs. Costs can be lower (USD $20,000 - $35,000) at community colleges or certain state universities.
How much are tuition fees in the USA for international students?
Tuition ranges widely: community colleges USD $8,000 - $12,000/year; public universities (out-of-state) USD $25,000 - $40,000/year; private universities USD $35,000 - $60,000/year; Ivy League USD $55,000 - $65,000/year.
What is the total cost to study in the USA from Nepal?
For a full bachelor’s program, expect USD $200,000 - $320,000 (NPR 2.6-4.2 crore). For a master’s, plan for USD $100,000 - $160,000 (NPR 1.3-2.1 crore). These are ballpark totals including living costs, tuition, and fees.
How much do international students pay per semester?
Per-semester costs depend on the program and institution. Typical ranges: community college USD $4,000 - $6,000; public university USD $12,500 - $20,000; private university USD $17,500 - $30,000.
How much should Nepali students keep in bank for a USA student visa?
Universities usually issue an I-20 showing required funding. While there's no single mandated bank balance, you must prove sufficient funds to cover tuition + living expenses for at least the first year, which commonly ranges from USD $20,000 - $50,000 depending on the university. Check your university’s I-20 fund requirement and prepare documentation accordingly.
How much is health insurance for international students in the USA?
University-sponsored plans typically cost USD $1,800 - $4,800 annually. Private international plans can cost USD $1,500 - $3,500 annually. Costs depend on coverage limits and institution.
Can I work while studying in the USA to reduce costs?
Yes, F-1 students can work on-campus up to 20 hours per week during semesters and full-time during breaks. Post-graduation, OPT allows work for 12 months. On-campus jobs help cover living expenses but rarely fully cover tuition.
Which degree programs are most expensive?
Professional programs, engineering, and lab-heavy sciences typically cost more. Business schools and law/medical programs often command the highest tuition.
Are PhD programs in the USA expensive?
Most PhD programs provide funding packages, so out-of-pocket costs are often minimal for funded PhD students. Unfunded professional doctorates may be expensive.
How can I lower my total cost to study in the USA?
Consider community college transfer routes, apply for scholarships/assistantships, pick universities in affordable states, use housing-sharing and public transit, and compare health insurance options. Apply early to maximize financial aid opportunities.

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