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NEW YORK, NEW YORK, December 9, 2011: As Toni Kelly battled lymphoma she worried obsessively that her four-year struggle would destroy her family’s finances. She knew that after she died, which she did on Sept. 29, there was one way she could keep from adding to the $200,000 in medical debt she would leave behind. Like a growing proportion of Americans, she said she wanted her body to be cremated.

All but taboo in the United States 50 years ago, cremation is now chosen over burial in 41 percent of American deaths, up from 15 percent in 1985, according to the Cremation Association of North America. The association projects it will pass 50 percent by 2017 (still lagging behind Canada and much of Europe and Asia). Economics is clearly one of the factors driving that change.

The percentage of bodies that are cremated has risen steadily for years, for reasons ranging from spiritual to environmental. But a recent study shows that the increase has accelerated during the downturn, and many funeral home directors say they believe the economy is leading people to look for less expensive options.

The disposition of Ms. Kelly’s remains cost about $1,600, and that total included a death notice, a death certificate and an urn bought online. It was a fraction of the $10,000 to $16,000 that is typically spent on a traditional funeral and burial.

Most mainstream religions have relaxed objections to cremation, which were tied to biblically based views of the body as a vessel for the soul and of a heaven populated by human forms.

“America is becoming Hinduized in this way,” said Stephen Prothero, a professor of religion at Boston University and the author of “Purified by Fire: A History of Cremation in America.” “We’re increasingly seeing the human as essentially spiritual and gradually giving up on the Judeo-Christian idea of the person in the afterlife.”