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Reaction is mixed to President Obama's plan to prevent up to 4 million homeowners whose mortgages are underwater from defaulting on their loans over the next three years...
...program has tight restrictions: homeowners must be current on their mortgage payments, live in the home, have a FICO score of at least 500 and qualify for a standard FHA-backed loan once the principal is reduced. Those who get a modified loan must make full monthly payments for three years for the principal to be reduced permanently. The high standards for these loan modifications suggest that the Administration hopes to head off another wave of loan defaults and foreclosures by providing help earlier in the process...
...Administration also announced an initiative to help unemployed homeowners, in which their monthly mortgage payments would be reduced or eliminated for three to six months while they look for work. (See pictures of Americans in their homes...
Treasury officials emphasize that the program will not save every troubled homeowner. They say it targets 3 million to 4 million of the 12 million who are expected to wind up in foreclosure in the next three years...
...wake of three apparent suicides at Cornell University in the past six weeks, members of the mental health community at Harvard reaffirmed their commitment to providing support for students at risk but disagreed on the need to take immediate steps in response...