Given the extraordinarily low interest rates right now, a refinance may result in reducing your monthly payment by several hundred dollars. (rocketlawyer.com)
With forbearance, you may be able to stop making payments or reduce your monthly payment for up to 12 months at a time, though interest will continue to accrue. (nbr.com)
Debt consolidation programs help reduce monthly payment, interest rates and waive late fees. (debtmerica.com)