hello this is Karen Sawyer with customer service htlc █████ now the reason for my call today is I've actually been reaching out a lot to um let you know that you've been pre-qualified for the new and updated 2027 financial hardship programs wanted to say congratulations and explain everything to you but you haven't gotten back to me so please call me as soon as you get this um now these programs offer up to 65,000 in relief with no interest on the payment the payments are super affordable the funds can be used to help