Hardship and forbearance programmes, assessed
Every major lender has one. Assessed on what they actually offer, what they cost in interest and credit-file terms, and why they are so hard to find before you need them.
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Assessments
Debt consolidation, assessed with the arithmetic shown
The product's benefit is real and its cost is arithmetic. Here is a worked illustration, with every assumption stated, showing exactly where a lower monthly payment gets expensive.
