In an effort to help bring the crisis to an end, Obama has implemented several programs to either prevent families from getting into debt, or to assist them getting out of debt. In order for these programs to work, America’s citizens have to participate in them. For all the programs out there, someone has written negative statements, however, there are many families who have benefited from them. One program in particular that Obama intends to help between five and six million families with is the loan modification plan. This program is to help those struggling families stuck with mortgage payments that they can no longer afford. In order for this plan to work, the government needs these families to apply, so we need to get the word out there that loan modifications are available though the Federal Government. There are 75 billion dollars to be shared among these people, so if you are in a tight situation regarding mortgage payments and are in danger of losing your home, then you should see to it that you apply. There is a set of qualifications that need to be met, and if so, then you are on your way.With the reduced monthly payments, dropped interest rates, and deducted principle amounts then you will surely see the benefits of such a program. Once the millions of families are taking advantage of this program, we should see a change in the economical climate. At this point in the crisis, the sooner and better too!