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: IT IS VERY IMPORTANT TO READ THE FOLLOWING STEPS ON HOW TO FILL OUT YOUR REQUEST FOR REDUCED PAYMENTS TO AVOID ANY AUTOMATIC DISAPPROVAL. 1. Please ensure the following documents are filled out completely and accurately to the best of your knowledge. 2. Before we can render a decision on your request for reduced payments, a complete, accurate Voluntary Repayment Agreement (VRA) and a Financial Hardship Application (FHA) is required. A blank copy of the VRA/FHA accompanies this instruction pag.

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