the important thing is, the servicer should reach out thanks to the rules 30 days before the end of forbearance, but if you don't heard from your servicer reach out to them and they should walk you through the options. in the federal loans there will be options. even if you're not in a federally backed loan ask your servicer for options. if you hear one thing and it doesn't work for you, ask for other options available. >> you wouldn't be panicking if you're in a situation? >> right. there are ways so you can resume your mortgage payments or if you need a lower payment to get a modification, there are options for folks. the important thing is to stay in touch with your servicer andic pic up the phone when the call comes and listen for the option that works for you. >> will this impact a person's credit at all? so if you talk with your servicer, the cares act requires that you were reported as current during the forbearance and if you enter into a solution after forbearance there should be no impact on your credit. >> you know, i do want to ask you this, we know that communities of color suffered