hello this is Karen Sawyer with um customer service at hclc █████ now the reason for my call is you've been pre-qualified for the new and updated 2026 and 2027 financial hardship program so congratulations and these programs can offer up to 65,000 in relief with no interest on the payments and the payments are super affordable and the funds can also be used to get rid of your uh Financial Obligations such as credit cards medical bills personal loans repossessions and any other type of