{"id":430,"date":"2026-10-08T20:03:05","date_gmt":"2026-10-08T11:03:05","guid":{"rendered":"https:\/\/iwaw.kr\/en\/2026\/10\/08\/reduce-out-of-pocket-costs-government-funded-training-checklist-019d9db9d8\/"},"modified":"2026-10-08T20:03:21","modified_gmt":"2026-10-08T11:03:21","slug":"reduce-out-of-pocket-costs-government-funded-training-checklist-019d9db9d8","status":"publish","type":"post","link":"https:\/\/iwaw.kr\/en\/2026\/10\/08\/reduce-out-of-pocket-costs-government-funded-training-checklist-019d9db9d8\/","title":{"rendered":"Essential Checkpoints Before Applying for Government-Funded Training to Reduce Out-of-Pocket Costs"},"content":{"rendered":"


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Why Government-Funded Training Is Not Unconditionally 100% Free (How Out-of-Pocket Costs Work)<\/h2>\n

Many people assume “government-funded training = completely free” when seeking academy counseling, only to be taken aback after being informed of payment amounts ranging from tens of thousands to hundreds of thousands of won. While the National Tomorrow Learning Card offers a generous training limit of basically 3,000,000 won (up to 5,000,000 won), having remaining card balance does not mean the government covers all tuition fees entirely on your behalf.
\nUnderstanding the fundamental principles and calculation criteria behind out-of-pocket expenses (copayments) allows you to avoid unnecessary spending and plan your budget efficiently.<\/p>\n

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  1. Preventing Ghost Students and Fostering Learning Accountability<\/li>\n<\/ol>\n

    In past vocational training courses operated entirely free of charge, there were serious issues with so-called “cherry-pickers” and ghost students who applied but took unauthorized absences or easily gave up halfway through.
    \nTo concentrate support benefits on actual demand from individuals with genuine intentions to seek employment or change jobs, and to boost students’ learning engagement and completion rates, the government reorganized the system so that trainees directly shoulder a certain percentage (15% to 55%) of the training costs. The policy intent is that even a small personal financial commitment increases the likelihood of completing the course through to the end without absences.<\/p>\n

      \n
    1. The Key Factor Determining Out-of-Pocket Ratios: ‘Average Employment Rate by Occupation’<\/li>\n<\/ol>\n

      The most important principle is that “the higher the average employment rate of the relevant training field, the lower the out-of-pocket cost.” Based on annual employment rate statistics of graduates by occupation, the Ministry of Employment and Labor differentially applies out-of-pocket expense rates across occupational categories.
      \nOccupations with high employment rates (e.g., employment rate of 70% or higher): Sectors with high industrial demand and favorable post-completion employment see government support rates rise above 85%, resulting in out-of-pocket costs set low at around 15%.
      \nOccupations with relatively low employment rates (e.g., employment rate below 40%): Fields prone to enrollment for simple hobby or cultural enrichment purposes, or those lacking market demand, see out-of-pocket ratios climb to 45%\u201355%. This is precisely why out-of-pocket costs are exceptionally high in barista, baking\/pastry, florist, and introductory general accounting courses.<\/p>\n

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      1. The Difference Between ‘Standard Training Cost’ and ‘Actual Academy Tuition’<\/li>\n<\/ol>\n

        Out-of-pocket costs also arise from the gap between the national standard unit price set on HRD-Net (Vocational Training Portal) and the actual tuition set by the academy.
        \nGovernment subsidy calculation: Government-announced standard unit price \u00d7 Training hours \u00d7 Government support rate
        \nOut-of-pocket amount: (Total academy tuition – Government subsidy)
        \nIf an academy sets a total tuition higher than the government standard training cost by deploying cutting-edge, expensive equipment or top-tier instructors, the excess portion falls entirely on the trainee. Conversely, courses at ‘Outstanding Training Institutions’ with high training institution ratings and strong employment outcomes receive preferential government support, which may lower the perceived out-of-pocket expense for trainees.
        \nIn summary:
        \nGovernment funding is not a coupon that indiscriminately slashes academy tuition, but a differential support system that subsidizes a higher percentage of funding for occupations with stronger employment outcomes. Therefore, before applying, it is essential to first check the ‘out-of-pocket rate based on occupational employment rate’ for the relevant course on HRD-Net.<\/p>\n

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        Essential Checkpoint 1 Before Applying: Checking Out-of-Pocket Rate Differences by Occupation and Support Category<\/h2>\n

        When selecting a government-funded course, even if the tuition is identical, the final payment deducted from your bank account varies completely depending on which occupation you are learning and which support category (participant group) you belong to. Let us examine in detail how occupational employment rate standards and reduction benefits by target group operate.<\/p>\n

          \n
        1. Out-of-Pocket Criteria by Occupation: Employment Rate Tiers Determine Tuition<\/li>\n<\/ol>\n

          Based on general participants, the Ministry of Employment and Labor divides the average employment rate by occupation into brackets and applies out-of-pocket rates ranging from a base of 15% up to 55%.
          \nOccupations with over 70% employment rate: 15% out-of-pocket rate
          \nFields with exceptionally high manpower demand, such as national strategic industries, advanced technologies, and foundation industries
          \nOccupations with over 60% to 70% or lower employment rate: 20% out-of-pocket rate
          \nOccupations with over 50% to 60% or lower employment rate: 25% out-of-pocket rate
          \nOccupations with over 40% to 50% or lower employment rate: 30%\u201335% out-of-pocket rate
          \nOccupations with 40% or lower employment rate: 45%\u201355% out-of-pocket rate
          \nLifestyle-adjacent occupations prone to hobby-oriented enrollment, such as barista, baking\/pastry, florist, and basic cosmetology
          \nEven for courses with the same total tuition of 1,000,000 won, occupations facing manpower shortages require an out-of-pocket payment of around 150,000 won, whereas fields with low employment rates require you to pay 450,000 to 550,000 won out of pocket.<\/p>\n

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          1. Out-of-Pocket Reductions by Category (Status): Preferential Treatment for Employment-Vulnerable Groups<\/li>\n<\/ol>\n

            Even if standard burden rates by occupation are established, out-of-pocket costs are drastically reduced or completely waived depending on the applicant’s economic circumstances or employment status.
            \nNational Employment Support Type I participants: Full (100%) support or major exemption of standard out-of-pocket rates (0 won out-of-pocket possible)
            \nNational Employment Support Type II (specific groups, youth, middle-aged, etc.): Additional reduction of approximately 30\u201335% from the standard out-of-pocket rate by occupation
            \nEarned Income Tax Credit (EITC) recipients: 50% reduction from the general standard out-of-pocket rate
            \nEmployees of preferred support enterprises (small and medium-sized businesses): Higher government subsidy rate applied compared to large enterprise employees
            \nIf you apply under general eligibility without verifying whether you belong to a vulnerable group or qualify for specific reduction targets, you could miss out on hundreds of thousands of won in reduction benefits.<\/p>\n

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            1. How to Check Your Actual Out-of-Pocket Cost on HRD-Net in 10 Seconds<\/li>\n<\/ol>\n

              Without having to calculate it yourself, you can check the actual payment amount with just a few clicks on the Vocational Training Portal (HRD-Net).<\/p>\n

                \n
              1. Access HRD-Net and Search: Search for the desired course name or academy name.<\/li>\n
              2. Check Course Details Page: Click the ‘View Out-of-Pocket Expense’ button on the right side of the screen.<\/li>\n
              3. Select My Support Type: In the pop-up window, check your status, such as ‘General Job Seeker’, ‘EITC Recipient’, or ‘National Employment Support Participant’.<\/li>\n
              4. Verify Final Payment Amount: The actual out-of-pocket expense recalculated instantly according to the selected conditions will be displayed.<\/li>\n<\/ol>\n

                Checkpoint:
                \nEven for the same curriculum at the same academy, the out-of-pocket cost can become 0 won depending on whether you enroll in a ‘general course’ or enter via specific government-funded specialized tracks or linked programs. Before clicking the course application button, be sure to simulate your out-of-pocket cost by support type first.<\/p>\n

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                Essential Checkpoint 2 Before Applying: Checking Eligibility for Preferential Support Targets (Employment Success Package, National Employment Support, etc.) to Make Out-of-Pocket Costs 0 Won<\/h2>\n

                Essential Checkpoint 2 Before Applying: Checking Eligibility for Preferential Support Targets (National Employment Support, etc.) to Make Out-of-Pocket Costs 0 Won
                \nEven when taking a course in the exact same occupation, applying solely with an issued National Tomorrow Learning Card versus applying by linking government employment support policies makes a decisive difference in out-of-pocket costs. Even for courses that incur hundreds of thousands of won in out-of-pocket expenses for general job seekers, combining them with preferential support programs enables 0 won out-of-pocket (full exemption) or substantial reduction benefits.<\/p>\n

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                1. Key Cheat Key to Erasing Out-of-Pocket Costs: ‘National Employment Support’<\/li>\n<\/ol>\n

                  The system established after a comprehensive overhaul of the former ‘Employment Success Package’ is precisely the National Employment Support. Along with employment support services, it provides livelihood support (job-seeking promotion allowances) and additional preferential training fee benefits.
                  \nNational Employment Support Type I (Requirement-Screening Type \/ Selection Type)
                  \nOut-of-pocket benefits: Full exemption of vocational training out-of-pocket expenses regardless of occupation (0 won out-of-pocket)
                  \nCore criteria: Median income of 60% or lower, assets of 400 million won (500 million won for youth) or lower, and work experience of 100 days or 800 hours or more within the last 2 years (based on Requirement-Screening Type)
                  \nAdditional support: Payment of a job-seeking promotion allowance of 500,000 won per month for up to 6 months, totaling 3 million won
                  \nNational Employment Support Type II (Specific Groups, Youth, Middle-Aged)
                  \nOut-of-pocket benefits: Significant reduction of the standard out-of-pocket rate according to income requirements (bearing only about 15%\u201320%), or full exemption for specific vulnerable groups
                  \nTarget audience: Youth aged 18\u201334 regardless of income, middle-aged persons (aged 35\u201369) at 100% or lower of median income, Basic Livelihood Security recipients, North Korean defectors, multicultural families, etc.<\/p>\n

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                  1. Another Easily Missed Reduction Card: ‘EITC Recipients’<\/li>\n<\/ol>\n

                    If you are currently seeking employment or working as a part-timer or freelancer and have a history of receiving the Earned Income Tax Credit (EITC) within the last 1\u20132 years, you must check this.
                    \nReduction benefits: Flat 50% half-price reduction from the standard out-of-pocket rate for general National Tomorrow Learning Card participants
                    \nApplication method: When issuing a card or applying for courses via a Job Center or HRD-Net, submit the EITC Receipt Certificate issued by the National Tax Service to register your electronic support type as ‘EITC Recipient’, and it will apply immediately.<\/p>\n

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                    1. ‘Application Order’ Changes the Outcome: Must Check Before Applying for Training<\/li>\n<\/ol>\n

                      The most common mistake is “hastily paying the out-of-pocket cost with the Tomorrow Learning Card right before academy classes begin.” Once payment is completed, even if you are recognized as eligible for the National Employment Support, it is difficult to retroactively receive a refund for the already paid tuition fee.<\/p>\n

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                      1. Preliminary Eligibility Diagnosis (At least 3\u20134 weeks before course starts):<\/li>\n<\/ol>\n

                        Access Employment24 or the official National Employment Support website
                        \nCheck whether you qualify for Type I or Type II through the mock self-diagnosis<\/p>\n

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                        1. Submit Application for National Employment Support First:<\/li>\n<\/ol>\n

                          Screening and initial consultation (establishing an Individual Action Plan) typically take 2\u20134 weeks.<\/p>\n

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                          1. Consult with Counselor, Link Card, and Apply for Course:<\/li>\n<\/ol>\n

                            After approval for Type I or preferential support targets is finalized, registering for training courses on HRD-Net together with your assigned dedicated counselor allows the 0 won out-of-pocket benefit to be properly applied.
                            \nCheckpoint:
                            \nJust by looking into the program slightly earlier and aligning the application sequence, you can completely save hundreds of thousands of won in educational expenses and also secure the monthly job-seeking promotion allowance. Before opening the payment screen with your Tomorrow Learning Card, be sure to review first whether you are eligible for preferential support.<\/p>\n

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                            Essential Checkpoint 3 Before Applying: How to Leverage Fully Government-Funded Specialized Programs Such as K-Digital Training (KDT)<\/h2>\n

                            Even without participating in separate linked initiatives like the National Employment Support, there is a way to enjoy the benefit of 0 won out-of-pocket (100% free) solely with a standard National Tomorrow Learning Card. That is choosing ‘specialized training programs’ designated by the Ministry of Employment and Labor to foster national strategic industries.
                            \nAdvanced bootcamp courses with tuition fees ranging from several million won to over 10 million won can also be fully funded, serving as the most practical alternative for job seekers and those seeking career transitions.<\/p>\n

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                            1. Key Specialized Tracks Representing Full Support<\/li>\n<\/ol>\n

                              The government completely waives out-of-pocket expenses solely for specific fields where manpower demand is surging, such as advanced new technologies and national basic industries.
                              \nK-Digital Training (KDT):
                              \nMain fields: Digital new technologies such as AI (Artificial Intelligence), big data, cloud, web\/app full-stack development, blockchain, and autonomous driving
                              \nFeatures: Innovative companies like Naver, Kakao, and Woowa Brothers, or prominent bootcamp institutions directly design curricula and run practical projects.
                              \nSupport benefits: Even if it exceeds the basic support limit of the National Tomorrow Learning Card (3 million to 5 million won), the government fully covers 100% of training fees only for the very first time in one’s life.
                              \nNational Strategic Industry Training (Gukgi Courses):
                              \nMain fields: Traditional national basic industries such as smart factories, mechanical design (CAD\/CAM), electricity\/electronics, information security, and shipbuilding\/plants
                              \nSupport benefits: 100% free training is provided, mainly consisting of long-term practical exercises tailored to on-site industry tasks.
                              \nK-High-Tech Platform and Industry-Customized Training:
                              \nA specialized track offering short- and long-term free training based on advanced hands-on infrastructure tailored to regional and new industry demands.<\/p>\n

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                              1. How to Screen for Fully Free Specialized Courses on HRD-Net<\/li>\n<\/ol>\n

                                Since standard paid out-of-pocket courses and specialized fully free courses are mixed on HRD-Net, setting search filters accurately reduces unnecessary effort.<\/p>\n

                                  \n
                                1. Enter Advanced Search Criteria: Click ‘Advanced Search’ at the bottom of the HRD-Net integrated search box.<\/li>\n
                                2. Filter Training Types:<\/li>\n<\/ol>\n

                                  Check ‘K-Digital Training’
                                  \nOr check ‘National Strategic Industry Training’<\/p>\n

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                                  1. Verify 0 Won Out-of-Pocket Expense: Click the course of interest from the search result list, then recheck on the right details section whether it is marked as ‘Out-of-Pocket Expense: 0 won’.<\/li>\n
                                  2. 3 Principles to Keep in Mind When Choosing Specialized Courses<\/li>\n<\/ol>\n

                                    As the unprecedented condition of 0 won out-of-pocket is offered, there are restrictions that you must keep in mind before applying.
                                    \nThe Principle of ‘Once-in-a-Lifetime’ Free Support:
                                    \nSince specialized courses such as KDT are fully subsidized beyond the standard limit, the general rule is that free support is granted only once in a lifetime. Once you complete a course or drop out halfway through, free re-enrollment in another course of the same type is very strictly limited.
                                    \nAcademy’s Own Selection Process (Screening and Interviews):
                                    \nBecause the size of government funding is large and competition is high, enrollment is not on a first-come, first-served basis; you can only take the course after successfully passing document screening, preliminary coding tests, video interviews, and other evaluations.
                                    \nFull-Time Study Intensity of 5 Days a Week, 8 Hours a Day:
                                    \nMost programs run on an intensive, immersive schedule of around 40 hours per week for 3 to 6 months or more. Since it is difficult to balance this with part-time jobs or other commitments, you should enroll at a time when you can dedicate yourself entirely to the training.
                                    \nCheckpoint:
                                    \nIf you are preparing for employment or a career change in IT development, data analysis, or advanced engineering, there is no need to look for regular computer single-subject courses that incur out-of-pocket expenses. Strategically utilize your one-time free training opportunity to consider corporate-affiliated KDT or national strategic courses first.<\/p>\n

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                                    Tips for Protecting Practical Spending by Collecting Monthly Training Allowances (Attendance Management Standards)<\/h2>\n

                                    While undergoing government-funded training, even if some out-of-pocket expenses occur, thoroughly collecting the monthly ‘training allowance’ provided by the government covers transportation and food costs, significantly lowering your actual out-of-pocket spending. For fully free courses, receiving this monthly training allowance instead serves as a solid support system that eases living cost burdens while focusing on job preparation.
                                    \nHere is a summary of the eligibility conditions and strict attendance management criteria required to receive training allowances without omission.<\/p>\n

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                                    1. Eligibility and Payment Amounts for Training Allowance<\/li>\n<\/ol>\n

                                      It is not paid unconditionally to all government-funded trainees, but differentially based on training hours and participant status.
                                      \nBasic Eligibility Requirements:
                                      \nYou must attend a long-term job seeker training course with a total training duration of 140 hours or more. (Short-term training or remote\/online courses are excluded as a rule)
                                      \nBasic Payment Amounts:
                                      \nFor training of 5 hours or more per day: Up to 116,000 won per month
                                      \nFor training under 5 hours per day: Up to about 50,000 won per month (calculated on a pro-rata basis depending on the number of days in the unit period)
                                      \nAdditional Support for K-Digital Training (KDT):
                                      \nFor KDT courses, the ‘K-Digital Training Allowance’ is added on top of the basic training allowance, expanding the payment scale up to a maximum of 316,000 won per month.
                                      \nWhen Linked with National Employment Support:
                                      \nSince Type I participants in the National Employment Support receive the job-seeking promotion allowance (500,000 won per month), the duplicate payment regulations (differential payment or adjustment) with the basic training allowance must be verified through a dedicated counselor.<\/p>\n

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                                      1. Absolute Condition for Receiving Allowance: ‘80% or Higher Attendance in the Unit Period’<\/li>\n<\/ol>\n

                                        The training allowance is not calculated as an overall average from opening day to completion day, but independently assessed by each designated monthly ‘unit period (usually 1 month).’
                                        \nFull Non-Payment for Attendance Below 80%: The moment your attendance rate among the prescribed class days during the corresponding 1-month unit period drops to 79.9% or below, the training allowance for that month becomes 0 won.
                                        \nPayment Calculation Method: It is calculated and deposited on a pro-rata basis in proportion to the actual number of days attended during the unit period. The allowance amount is deducted by the number of absent days.<\/p>\n

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                                        1. Attendance Penalty Formulas That Can Catch You Off Guard<\/li>\n<\/ol>\n

                                          If tardiness and early departures accumulate, they are automatically converted into absences, and your 80% attendance baseline can collapse in an instant.
                                          \n3 Instances of Tardiness, Early Departure, or Outing = 1 Absence: Frequent tardiness accumulates as absence days, eating away at your attendance rate.
                                          \nRules for Extended Absence Hours: If you do not attend more than 50% of the total daily class hours and leave early or arrive late, that day is counted as an ‘absence.’
                                          \nBeware of QR Code and Beacon Tagging Errors: When checking check-in and check-out on HRD-Net, if the record remains ‘unprocessed’ due to smartphone glitches or missed tags, it may be treated as an unauthorized absence. Therefore, you must check immediately upon leaving class each day whether your attendance status is properly reflected on the app.<\/p>\n

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                                          1. Gathering Supporting Evidence for Excused Absences (Authorized Leave)<\/li>\n<\/ol>\n

                                            When you must miss class due to illness, official business, family events, and other reasons, you must immediately submit supporting documents to the academy (training institution) administrative team to receive official attendance recognition to prevent attendance rate loss.
                                            \nReserve Forces \/ Civil Defense Training: Call-up notice and training certificate
                                            \nHospital Treatment and Hospitalization: Medical certificate, medical confirmation note (outpatient confirmation note), etc.
                                            \nCertified Qualification Examinations and Job Interviews: Test identification slip, interview confirmation note, etc.
                                            \nFamily Events: Family relationship certificate, obituary notice, wedding invitation, etc.
                                            \nCheckpoint:
                                            \nOnce an attendance rate of 80% is achieved, training allowances are typically deposited into the registered account within 2 to 3 weeks after the end of each unit period. Since a single day of tardiness or absence can lead to disqualification from hundreds of thousands of won in allowances per month, thoroughly establishing attendance management habits starting from the very first month is key to genuinely protecting educational expenses.<\/p>\n

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                                            Penalties and Out-of-Pocket Increase Warnings When Dropping Out Halfway<\/h2>\n

                                            While often taken most lightly when applying for government-funded courses, dropping out halfway (quitting mid-course) is actually the factor causing the greatest financial and systemic losses.
                                            \nIf you register with the complacent thought of “I can just quit if it doesn’t suit me once I start taking it” and drop out midway, your National Tomorrow Learning Card support limit will be deducted by millions of won, and you will suffer disadvantages where out-of-pocket ratios surge dramatically when taking other courses in the future.<\/p>\n

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                                            1. Immediate Account Limit Deduction (Vanishing Subsidies)<\/li>\n<\/ol>\n

                                              The National Tomorrow Learning Card provides a base limit of 3,000,000 won (up to 5,000,000 won), but if you voluntarily drop out without justifiable cause or are expelled due to substandard attendance, penalty amounts are forcibly deducted from the remaining limit.
                                              \nUpon 1st Drop-Out: Immediate 200,000 won deduction from support limit
                                              \nUpon 2nd Drop-Out: Additional 500,000 won deduction from support limit
                                              \nUpon 3rd or More Drop-Out: Additional 1,000,000 won deduction from support limit and temporary suspension of card usage
                                              \nRegardless of the actual amount spent on tuition payment, the limit is deducted as a fixed penalty, creating situations where you must pay entirely out of your own pocket due to insufficient card balance when you later encounter a key job-skills course you truly want to take.<\/p>\n

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                                              1. ‘Out-of-Pocket Expense Increase’ Penalty for Subsequent Course Applications<\/li>\n<\/ol>\n

                                                Beyond just a reduced limit, the out-of-pocket percentage that you must directly pay yourself is significantly raised when registering for the next course.
                                                \nRegistering for next course after 1 drop-out: 20%p added to existing out-of-pocket rate
                                                \nRegistering for next course after 2 drop-outs: 50%p added to existing out-of-pocket rate
                                                \nFor instance, even if you want to take a course that originally carried a 15% out-of-pocket rate, with 1 past drop-out you must pay 35%, and with 2 past drop-outs, 65% of the tuition must be paid entirely out of your own pocket. Government subsidies intended to lower out-of-pocket expenses instead transform into costs equivalent to regular academy tuition.<\/p>\n

                                                  \n
                                                1. ‘Forfeiture of Opportunities’ for Fully Free Specialized Courses Such as KDT<\/li>\n<\/ol>\n

                                                  For specialized tracks where educational costs worth 10,000,000 won are fully subsidized by the government, such as K-Digital Training (KDT) or National Strategic Industry Training (Gukgi), free opportunities are strictly granted ‘once in a lifetime’ as a rule.
                                                  \nIf you drop out without justifiable cause, the hundreds of thousands to tens of millions of won in subsidies invested thus far are deemed completely exhausted.
                                                  \nSubsequently, even if you attempt to re-participate in another KDT or fully funded government bootcamp, your eligibility is fundamentally forfeited, or participation is permitted only after paying regular out-of-pocket fees amounting to millions of won.<\/p>\n

                                                    \n
                                                  1. Standards for Recognizing ‘Unavoidable Circumstances’ to Avoid Penalties<\/li>\n<\/ol>\n

                                                    If circumstances make it completely impossible to see the course through to the end, before being expelled due to unauthorized absences, you must consult with the academy administrative team and the Job Center to obtain ‘drop-out due to justifiable cause’ processing to avoid penalties.
                                                    \nEmployment or Starting a Business: Early employment\/business setup in a related or different field during training with 4 major social insurances subscribed (Submit Certificate of Employment)
                                                    \nIllness and Injury: When outpatient travel is no longer possible and treatment is required due to one’s own illness or injury (Submit Medical Certificate)
                                                    \nPregnancy, Childbirth, and Immediate Family Caregiving: When attending class is impossible due to nursing care and childbirth (Submit Family Relationship Certificate and Hospitalization\/Diagnostic Documents)
                                                    \nRelocation of Residence: When residence is relocated due to moving and daily round-trip commute takes 3 hours or longer (Submit Resident Registration Abstract\/Certificate)
                                                    \nCheckpoint:
                                                    \nApplying for government funding is not a simple registration for free course auditing, but an official public commitment backed by government financial resources. Only after thoroughly reviewing the curriculum, weekly study hours (full-time commitment), and your own completion determination should you open the final payment window once you are confident you can complete the course to the very end.<\/p>\n

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                                                    Related Articles to Read<\/h2>\n