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The vast majority of loan modifications to date have lowered payments by dropping interest rates while leaving balances untouched.
A quarter of the savings from the lowered payments would go into an escrow account to reduce the principal balance.
In response to the budget crisis in California, state officials there lowered payments to medical providers in the Medicaid program there.
By contrast, that rate was 15 to 23percentt for modifications that lowered payments, depending on which loan terms were changed.
But doctors and hospital executives said that insurance companies have gradually lowered payments for visits to emergency rooms, often resorting to what is known in H.M.O.
According to notes kept by Ms. Thomas, Chase promised not to report her to credit agencies as delinquent while she made her lowered payments.
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Springleaf noted that in other bankruptcy cases it has agreed to lower payments.
Not surprisingly, Republicans as well as many anxious Democrats implored CMS not to lower payments.
Second, the administration expects to lower payments to hospitals that treat large numbers of low-income patients.
Starting sometime next year, the limit will be cut by a third for certain borrowers, and that will lower payments.
The Wisconsin Public Utility Board has approved a similar plan to lower payments to solar customers, which advocates are appealing.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com