wikiHow to Write a Letter Asking for Scholarship Money
With tuition, room and board, and books/supplies costs go oning to lift, an undergraduate or alumnus grade can acquire reasonably expensive. There are a batch of scholarships out at that place that can help you pay for those costs, nevertheless, and writing a missive inquiring for scholarship money is your primary beginning for success in the procedure. Your missive needs to convert the scholarship commission that you non merely have the enterprise and leading necessary to successfully finish the college plan that you are seeking to obtain financial support for but that you will be a proud add-on to the success of the scholarship plan.
The Body of the Letter
In the 2nd paragraph, mention the most of import qualities that make you relevant for the scholarship. Do so in a concise and low manner -- blazing crow will non work. This is your chance for the organisation to see why you are eligible. For illustration, writing `` I 'm the best instrumentalist in my school '' will acquire you nowhere. However, building your makings with concrete facts is the right manner to travel. So write this alternatively: `` I am the first chair for saxophone in my school 's wind set. I perform two solos in every concert and I have started my ain wind set on weekends. '' A statement like this shows the consecutive facts, but non in a braggart manner.
Our Sample Templates
Today, most colleges and universities, and so most scholarship patrons, grip petitions for information online. However, there are still those organisations that require pupils to direct formal letters of petition through the mail. The procedure of bespeaking information on a specific scholarship plan, or from a prospective college, may look reasonably straightforward. But whether by mail or electronic mail, it is of import that any formal petition for information be handled in a professional mode. To this terminal, we have compiled some tips, and some templets, to help pupils compose the letters of petition they will need to get down their college journey.
Sample Scholarship Information Request Application
Your petition for information to a scholarship or grant plan will take much the same signifier as your missive to a prospective college or university. Professionalism is the key. When bespeaking information on a financial assistance plan, nevertheless, you will desire to utilize the organic structure of your missive to briefly outline why you feel you are qualified for the award in inquiry. Now, this is non the clip to subject a full essay on the topic, but it is a opportunity to give a brief accounting of your background. Briefly discourse your academic successes, your community service engagement, your programs for the hereafter, and why you believe you are an first-class campaigner for the scholarship.
The personal essay.
Think before you write. Brainstorm to bring forth some good thoughts and so make an lineation to help you acquire traveling. Be original. The Judgess may be asked to reexamine 100s of essays. It’s your occupation to do your essay stand out from the remainder. So be originative in your replies. Show, don’t Tell. Use narratives, illustrations and anecdotes to individualise your essay and show the point you want to do. By utilizing particulars, you’ll avoid vagueness and generalizations and do a stronger feeling. Develop a subject. Don’t merely name all your accomplishments. Decide on a subject you want to convey that sums up the feeling you want to do. Write about experiences that develop that subject. Know your audience. Personal essays are non ‘one size tantrums all.’ Write a new essay for each application-one that fits the involvements and demands of that scholarship organisation. You’re inquiring to be selected as the representative for that group. The essay is your opportunity to demo how you are the ideal representative. Submit an essay that is orderly and clear. Make certain your essay is neatly typed, and that there is a batch of ‘white space’ on the page. Double-space the essay, and supply adequate borders ( 1″-1 1/2″ ) on all sides. Make certain your essay is good written. Proofread carefully, look into spelling and grammar and portion your essay with friends or instructors. Another brace of eyes can catch mistakes you might lose.
Essay Feedback: Making Your Structure — by Kay Peterson, Ph.D.
I ever get the same reaction from people when I tell them that I’m originally from a little town in Tennessee called Knoxville. Along with surprised, incredulous expressions on their faces, I’m bombarded with remarks like “Really? You don’t sound or look as if you’re from Tennessee.” These reactions are about wholly the same because everyone sees me as a typical Californian who loves the sunny conditions, the beach and the metropolis. They don’t know that I lived in Reading, Pennsylvania, before I moved to Chattanooga, Tennessee, and so moved once more to Knoxville, Tennessee. The thought of my life anyplace in the locality of the South or any topographic point besides California is impossible to many because I’ve adapted so good to the milieus in which I presently find myself. This peculiar quality, in a sense, besides makes me a more widely distributed and open-minded individual. Having already seen this much of the universe has encouraged me to see other topographic points like Paris or London and the remainder of the universe. My open-mindedness applies non merely to new topographic points, but besides to fascinating thoughts and chances. This attitude towards life prepares me for the huge array of chances that still lie in front in the hereafter. From my experiences of traveling topographic point to topographic point, I have besides come to admit the deep bond I portion with my household. It has helped me recognize the importance of back uping each other through tough times. Traveling from Tennessee to California meant stating adieu to the house we had lived in for six old ages, longtime friends and the composure, idyllic life style of the state that we had grown to love and enjoy. But cognizing that we had each other to depend on made the passage easier. It besides strengthened the bond we all shared and placed more value on the clip we spent with each other, whether it was at place feeding dinner or traveling on a household trip. Now when I think of the word “home, ” I see the blue-grey house I live in now. In the yesteryear, nevertheless, “home” has been associated with houses of changing sizes, colourss and signifiers. The lone thing that has remained unchanging and lasting is my household. I have acknowledged this stability, cognizing good plenty that it is, and ever will be, a portion of me and a alone portion of my life.
The Book that Made Me a Journalist
I was taking a composing category, and we were larning how to compose persuasive essays. Up until that point, I had had mean classs, but I was ever a good author and my instructor instantly recognized this. The first paper I wrote for the category was about my experience traveling to an Indian reserve located near my uncle 's spread in sou'-west Colorado. I wrote of the terrible poorness experienced by the people on the reserve, and the deficiency of entree to voting booths during the most recent election. After reading this short narrative, my instructor approached me and asked about my hereafter programs. No 1 had of all time asked me this, and I was n't certain how to reply. I said I liked writing and I liked believing about people who are different from myself. She gave me a book and told me that if I had clip to read it, she thought it would be something I would bask. I was really rather surprised that a high school instructor was giving me a book titled Lies My Teacher Told Me. It had ne'er occurred to me that instructors would lie to pupils. The rubric intrigued me so much that on Friday dark I found myself remaining up about all dark reading, alternatively of traveling out with friends.
In short, the book discusses several cases in which typical American history categories do non state the whole narrative. For illustration, the writer addresses the manner that American history categories do non normally address about the Vietnam War, even though it happened merely a short clip ago. This made me recognize that we had n't discussed the Vietnam War in my ain history category! The book taught me that, like my narrative of the Indian reserve, there are ever more narratives beyond what we see on the surface and what we’re taught in school. I was inspired to go on to state these narratives and to do that my calling.
For my following article for the category, I wrote about the pattern of my ain high school suspending pupils, sometimes indefinitely, for apparently minor discourtesies such as tardiness and smoke. I found that the figure of suspensions had increased by 200 % at my school in merely three old ages, and besides discovered that pupils who are suspended after merely one discourtesy frequently drop out and some ulterior end up in prison. The article caused rather a splash. The disposal of my school dismissed it, but it caught the attending of my local newspaper. A local journalist worked with me to print an updated and more exhaustively researched version of my article in the local newspaper. The article forced the school board to revisit their “zero tolerance” policy every bit good as reinstate some indefinitely suspended pupils. I won no favours with the disposal and it was a hard clip for me, but it was besides thrilling to see how one article can hold such a direct consequence on people’s lives. It reaffirmed my committedness to a calling in news media.
This is why I’m applying for this scholarship. Your organisation has been supplying immature draw a bead oning journalists with financess to foster their accomplishments and work to bring out the untold narratives in our communities that need to be reported. I portion your organization’s vision of working towards a more merely and just universe by bring outing narratives of maltreatment of power. I have already demonstrated this committedness through my writing in high school and I look frontward to prosecuting a BA in this field at the University of Michigan Ann Arbor. With your help, I will hone my natural inherent aptitudes and built-in writing accomplishments. I will go a better and more persuasive author and I will larn the moralss of professional news media.
Planners and Seekers
Bing African, I recognize Africa’s need for home- adult endowment in the signifier of “planners” ( helpers with possible solutions ) and “searchers” ( those with despairing need ) working towards international development. I represent both. Coming from Zimbabwe my greatest challenge is in assisting to better the supports of developing states through sustainable development and good administration rules. The need for policy-makers capable of using cross-jurisdictional, and cross- disciplinary schemes to work out complex challenges can non be under-emphasized ; hence my application to this scholarship plan.
After graduating from Africa University with an Awards degree in Sociology and Psychology, I am now seeking scholarship support to analyze in the United States at the Master’s degree. My involvement in democracy, elections, constitutionalism and development stems from my permanent involvement in public policy issues. Consequently, my current research involvements in democracy and cultural diverseness require a deeper apprehension of legal procedures of constitutionalism and administration. As a Master’s pupil in the US, I intend to compose articles on these topics from the position of person born, raised, and educated in Africa. I will convey a alone and much-needed position to my alumnus plan in the United States, and I will take the proficient and theoretical cognition from my alumnus plan back with me to Africa to foster my calling ends as a practician of good administration and community development.
To augment my theoretical apprehension of administration and democratic patterns, I worked with the Zimbabwe Election Support Network ( ZESN ) as a Programs Assistant in the Monitoring and Observation section. This non merely enhanced my undertaking direction accomplishments, but besides developed my accomplishments in research and bring forthing communicating stuffs. ZESN is Zimbabwe’s biggest election observation organisation, and I had the duty of supervising the political environment and bring forthing monthly publications on human rights issues and electoral procedures. These publications were disseminated to assorted civil society organisations, givers and other stakeholders. Now I intend to develop my calling in order to heighten Africa’s capacity to recommend, compose and vote for representative fundamental laws.
Your organisation has a history of presenting scholarships to assuring immature pupils from the developing universe in order to convey cognition, accomplishments and leading abilities to their place communities. I have already done some of this work but I want to go on, and with your aid, I can. The multidisciplinary focal point of the development plans I am using to in the US will supply me with the necessary accomplishments to creatively turn to the economic and societal development challenges and develop sound public policies for Third World states. I thank you for your clip and consideration for this esteemed award.
Salvaging the Manatees
When I was chosen from 100s of appliers to take portion in a summer internship with Sea World, I fell even more in love with these soft giants. I besides learned a really of import and valuable lesson: prior to this internship, I had imagined going a marine life scientist, working straight with the animate beings in their attention both in imprisonment and in the natural state. However, during the internship, I discovered that this is non where my strengths prevarication. Unfortunately, I am non a strong pupil in scientific discipline or math, which are required accomplishments to go a marine life scientist. Although this was a demoralizing realisation, I found that I possess other strengths can still be of great value to Trichechus manatuss and other endangered marine mammals: my accomplishments as a public dealingss director and communicator. During the internship, I helped compose new lessons and presentations for simple school groups sing the park and developed a series of fun activities for kids to help them larn more about Trichechus manatuss every bit good as preservation of endangered species in general. I besides worked straight with the park’s preservation and communicating manager, and helped develop a new local outreach plan designed to educate Floridians on how to avoid hitting a Trichechus manatus when yachting. My supervisor recommended me to the Save the Manatee Foundation so in add-on to my full-time internship at Sea World, I interned with the Save the Manatee Foundation part-time. It was there that I witnessed the Trichechus manatus deliverance and preservation attempt foremost manus, and worked straight with the marine life scientists in developing fund-raising and awareness-raising runs. I found that the foundation’s societal media presence was missing, and, utilizing accomplishments I learned from Sea World, I helped them raise over $ 5,000 through a Twitter challenge, which we linked to the assorted societal media mercantile establishments of the World Wildlife Federation.
While I know that your organisation typically awards scholarships to pupils be aftering to major in subjects straight related to preservation such as environmental surveies or fauna, I feel that the public dealingss side of preservation is merely every bit of import as the existent work done on the land. Whether it is cut downing one’s C footmark, or salvaging the Trichechus manatuss, these are attempts that, in order to be successful, must affect the larger public. In fact, the comparative success of the environmental motion today is mostly due to a monolithic planetary public dealingss run that turned environmentalism from something scientific and vague into something that is both stylish and accessible to merely about anyone. However, that success is being challenged more than of all time earlier -- particularly here in the US, where an every bit strong anti-environmental public dealingss run has taken clasp. Therefore, environmentalists need to get down acquiring more originative.
I want to be a portion of this renewed attempt and utilize my natural abilities as a communicator to force back against the instead formidable forces behind the anti-environmentalist motion. I unfeignedly hope you will see back uping this non-traditional avenue towards planetary sustainability and preservation. I have already been accepted to one of the most esteemed communications undergraduate plans in the state and I plan to minor in environmental surveies. In add-on, I maintain a relationship with my former supervisors at Save the Manatee and Sea World, who will be priceless resources for happening employment upon graduation. I thank the commission for believing outside the box in sing my application.
Most pupils know that they must finish the Free Application for Federal Student Aid ( FAFSA ) to happen out their Expected Family Contribution ( EFC ) . The EFC is a comparative measuring of the pupil 's ability to pay for school, and this figure is frequently used to find the sum of federal and province aid available. This is a good start, but the true Cost of Attendance ( COA ) is frequently different than the spine monetary value. Most pupils have disbursals beyond tuition, including room and board, books, and other costs. Before turning to pupil loans, pupils with financial need can look for scholarships to help shut the spread between their EFC and COA. Our Scholarship Directory for need-based scholarships is a great topographic point to get down.
Determining Your Financial Need
The federal Department of Education find your Expected Family ContributionThe Expected Family Contribution ( EFC ) is the sum of money that the household is expected to be able to lend toward the pupil 's instruction as determined by the Federal Methodology need analysis expression. The EFC includes the parent part and the pupil part, and depends on the pupil 's dependence position, household size, figure of household members in school, nonexempt and exempt income, and assets. The difference between the COA and the EFC is the pupil 's financial need, and is used in finding the pupil 's eligibility for need-based financial assistance. If there are unusual financial fortunes, such as high medical disbursals, loss of employment, or decease of a parent, that may impact your ability to pay for your instruction, the pupil needs to state their financial assistance decision maker ( FAA ) . He or she can set the COA or EFC to counterbalance. ( EFC ) based on information you provide on the FAFSA. Parent and pupil resources are considered the first beginning of financess to finance an instruction. Parents ' incomeIncome is the sum of money received from employment ( salary, rewards, tips ) , net income from financial instruments ( involvement, dividends, capital additions ) , or other beginnings ( public assistance, disablement, child support, nonexempt Social Security, and pensions ) . is non included in the EFC for an independent studentSee Dependency Status. Financial needThe difference between the COA and the EFC is the pupil 's financial need - the spread between the cost of go toing the school and the pupil 's resources. The financial assistance bundle is based on the sum of financial need. The procedure of finding a pupil 's need is known as need analysis. is the difference between the cost of attending ( COA ) and the EFC. Each university determines its ain COA, which includes the mean cost of tuition, books, room and board, and personal and travel disbursals. If your COA is $ 22,030 and your EFC is $ 5,000, the financial need would be $ 17,030. Student Financial AidMoney provided to the pupil and the household to help them pay for the pupil 's instruction. Major signifiers of financial assistance include gift assistance ( grants and scholarships ) and self help assistance ( loans and work ) . and Scholarships will reexamine your eligibility for need-basedFinancial assistance that is need-based depends on your financial state of affairs. Most authorities beginnings of financial assistance are need-based. plans up to the sum of your financial need, so reexamine your eligibility for assistance plans that are non based on need up to the sum of your COA. Your eligibility for need-based assistance ( $ 17,030 in the illustration ) is non a warrant that you will have that sum.
For new pupils, UNT offers two tuition program picks to give you flexibleness and convenience, the Eagle Express program and the Traditional program. You are eligible to have financial assistance and/or scholarships no affair which tuition program you choose. The Eagle Express program locks in your entire academic costs ( tuition and fees ) for four old ages at a somewhat higher initial rate. If you choose Eagle Express and alumnus in four old ages, you may measure up for a graduation inducement up to $ 3,000 in your concluding 15 hours. You may besides measure up for the statewide on-time $ 1,000 tuition discount. Under the traditional tuition program, your academic costs will increase 3.9 per centum each twelvemonth for four old ages and class fees will change. For help finding which program is right for you, see eagleexpress.unt.edu.
Academic Need-Based Scholarship
The value of instruction is something that I have understood since a really immature age. Neither of my parents had an chance to go to college, and faced many battles in their personal and professional lives because of this. They made a commitment early in my life to make everything within their power to transfuse in me a love of acquisition and an apprehension of the importance of difficult work and dedication. Because of their love and forfeit over the old ages, I have been able to give the clip and energy necessary to academic accomplishment even though money has ever been tight. In my senior twelvemonth at XYZ High School, I have a 3.9 grade-point norm and have been named Salutatorian of my graduating category. In add-on to concentrating on my ain surveies, I besides worked as a math and scientific discipline coach throughout my old ages in high school as a manner of lending to my household 's budget. Additionally, I have besides been active in my school and community outside of the schoolroom, functioning on the pupil council as Secretary Treasurer for two old ages, functioning as an officer in the Future Engineers of America chapter at my school, and volunteering at a local Boys & Girls Clubs of America chapter during school interruptions. My household has made many forfeits to let me to concentrate on instruction throughout primary and secondary school. I now have an chance to go the first individual in my household to go to college, though I 'm in need of financial aid to recognize what has been a long-run end for me and a dream for my parents. If selected for this scholarship, I will go on to use the same diligence to my collegial surveies as I have to this point, doing instruction and service to others my top precedence. I will stand for your organisation good during my old ages in college and beyond. Thank you in progress for your consideration. Sincerely, Bill Achiever
Explain Difficulties You Are Having in Meeting Your Needs
A Statement of Financial Need should state the commission why you are seeking assistance. This is the topographic point to speak about any alterations that have occurred in your life that impact your ability to pay for your instruction. For case, there may hold been alterations in your family’s income, unforeseen disbursals or a deficit in your fundss. In this country, you can besides supply information to demo that you manage financess responsibly. For case, have you already paid for a semester, or a twelvemonth, by your ain attempts? If you broach this issue, though, include merely information about instruction, and non about unrelated things like auto loans.
2009-12-2Financial Needs Essaies: Why Do You Necessitate Money?
Basically, you might be asked to compose a financial demands essay as a portion of a scholarship essay or an essay when using for a college grant. To be honest, this is non the most exciting type of essay you will hold to cover with. What you will hold to make is inquire for money. Unfortunately, the figure of pupils who write financial need essays is reasonably large, and you will be writing your essay along with many other appliers. Do you cognize how to do your essay on financial need stand out? Make you cognize how to carry the readers of your financial need essay to give you money? As you can think, writing something like “I do non hold money for instruction and desperately need some” will non work. Your financial need try should supply thorough accounts why money should be given to you. This is why you need to believe how the undermentioned points can be included into your financial need essay. General information Start your financial need essay with some general facts like what you want to make in the hereafter, what college you want to come in and why, what class you are traveling to take. The sum of money required Then, in your financial need essay, write down the amount of money you want to acquire. Make certain it is realistic, because you need to explicate on what you will pass this money. In your financial need essay, you may include the cost of the class, cost of the text editions, life disbursals, etc. Extra accounts The remainder of your financial need essay will be back uping your petition for money. For case, explicate why you did non hold an chance to acquire a occupation and salvage a small ( e.g. you were excessively busy with your surveies and extracurricular activities ) . Be certain to include such groundss as your trial tonss, etc. Check our tips for writing a nursing scholarship essay to acquire extra inside informations. We can besides help with writing college essays.
How We Calculate Fiscal Need
The Families of Freedom Scholarship Fund uses well-established, normally accepted financial need standards to cipher the degree of scholarship support granted to eligible Fund registrants. Need is calculated one time a pupil has selected a school or college and is fixing to inscribe, and is by and large determined by what a household can moderately be expected to pay, given their peculiar financial fortunes, compared to the cost of the postsecondary establishment. Awards are based on a per centum of calculated financial need, non a per centum of the entire school or college disbursal. Because of this, award sums differ from pupil to pupil.
Scholarship Application Essay Example
My love for animate beings has been encouraged by my household and friends. I have had the chance to volunteer with the local animate being shelter and supply basic attention to the isolated animate beings. With the help of my biological science instructor, I was able to get down a 4-H nine on campus. Many of the other pupils on campus developed an involvement in the animate beings and now our nine has 100 members. My household besides has many animate beings for which I provide attention, including basic demands every bit good as first assistance. I find that I enjoy that facet of favored ownership best. Unfortunately, my household can non afford to pay for my full instruction, so I hope to utilize my accomplishments and love of animate beings to help me pay for college.
Harvard President Lawrence H. Summers announced in February 2004 a major new enterprise designed to promote gifted pupils from households of low and moderate income to go to Harvard College. While the new enterprise has four major constituents, including enlisting, admittances, and a summer academic plan designed to fix gifted pupils from financially disadvantaged backgrounds for college, the financial assistance constituent additions assistance for pupils from low and moderate income households. Get downing with the 2004-05 twelvemonth, parents in households with incomes of less than $ 40,000 will no longer be expected to lend to the cost of go toing Harvard for their kids. In add-on, Harvard will cut down the parts expected of households with incomes between $ 40,000 and $ 60,000.
Need-based scholarships are more frequently than non determined by the student’s EFC. Outside of the college, many scholarship foundations will desire your prospective school’s financial assistance office to supply them with your EFC or at least reply some inquiries about your family’s financial state of affairs. As we’ve stated many times throughout this site, eligibility demands can change rather a spot among financial assistance plans. Merely because a pupil meets the eligibility demands, does non vouch them the scholarship. Consult the beginning of the scholarship for their application processs.
One of the important stairss in obtaining scholarships comes after happening the award that matches a person’s makings and demands. When a pupil is ready to use for scholarships they should be prepared to reply all the inquiries and to supply all the extra stuff. Items that are requested as portion of a scholarship application vary for each financial assistance award and sometimes for each establishment. The pupil should besides expect inquiries sing extracurricular activities. Often, pupils must be nominated by a module member of their current schools before subjecting applications and in some instances the school itself must turn in the application.
The most common auxiliary stuffs that are needed to use for scholarships include transcripts, essays, letters of recommendation, and the application for the scholarship. Transcripts are of import when commissions are measuring applications even when they are non needfully looking for the best classs or survey wonts. Transcripts can bespeak academic potency or show the consistence of school work done by pupils over a period of clip. The essay part of a scholarship application is what distinguishes one applier from all the others. The essay is intended to demo the alone features and sentiments, and besides the personal ends of the pupil. An nonsubjective sentiment of the applier is besides expected when pupils apply for scholarships and is normally asked for in the signifier of at least one missive of recommendation from a non-relative, such as a instructor or employer. The scholarship application will normally necessitate a list of extracurricular activities. This list should be organized and thorough, including non merely the activities but the function the pupil had in each of them. This helps in the choice of pupils who show the most promise of leading and part to the community.
Before trying to make full out any applications, a list of all points that will be needed, with a note of the deadline, should be attached to each application. Lists should besides be made of all accomplishments, activities, and involvements. Inevitably, when finishing a scholarship application, inquiries sing awards, activities, and avocations will be asked. It is really of import to include all relevant awards that one has received and holding a list already made will decrease the opportunity of go forthing out any important information. Scholarships can be extremely competitory, so nil should be left out. Lists of all voluntary experience and community service should be available to mention to, including day of the months of service, the name of the organisation, and duties of the applier. Avocations and involvements should be given a batch of idea and listed every bit good, as they can be finding factors if they are true passions and pertain to future calling programs.
Athletic scholarships and scholarships awarded specifically for survey in certain Fieldss are merely renewable if the pupils continue to play the athletics or remain in that country of survey, in most instances. Before accepting an athletic scholarship it is wise to ask about the regulations sing hurts and other factors that may maintain an jock from take parting in a athletics, and how these fortunes may impact the reclamation of the scholarship. Similarly, receivers of scholarships for specified countries of survey should cognize the effects sing scholarship reclamation if they decide to alter big leagues.
There are a few clear marks to look out for to guard against deceitful financial assistance offers. First of all, scholarships are free, so there should be no cost to use for or happen a scholarship. Scholarship cozenage will about ever involve paying some sort of fee up front. Many fiting services out at that place offer to happen scholarships for a fee. The same scholarships that the service would happen are available for everyone to detect if they merely look in the right topographic point. Free resources are at manus for anyone to seek for scholarships. High school counsellors and financial assistance officers have entree to legion lists of scholarships and will portion them with pupils at no cost. Additionally, the local library can be used to research scholarships, so ne'er turn to a scholarship fiting service to happen a scholarship. Another mark to look for in scholarship cozenage is the averment that there are private scholarships that are neglected to be used every twelvemonth. Private scholarships are funded by organisations for specific people, makings, and academic Fieldss. These sorts of scholarships are, in fact, really limited. Be leery of anyone who asks for money to help happen fresh private scholarships. If anyone asks for a fee up front, or bank history or recognition card Numberss, cheque with the Better Business Bureau and describe all scholarship cozenages to the National Fraud Information Center.
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