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      "text": "Delinquencies (DQ) of 30+ days as % of Active Balances Excluding Pay in 4 and Peloton Loans",
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      "text": "Notes:\n1. Data as of January 2023\n2. US loans only, excludes Pay in 4 (formerly known as Split Pay) loan transactions with 0% APR and 6-8 week term lengths and loans made for Peloton purchases\n3. Metrics are unaudited",
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