hi rvbruner,
Great question because I would like to know as well. I scraped together our Jan. house payment but can't pay car loans. And then if I pay car loans I can't pay house payment-double jeopardy!
I have submitted to NACA as well so I really hope that will be a blessing for us

I received the intent to accelerate as well and in response to that sent
CW a hardship letter. I'm not sure if I'm doing things properly to help my case but I'm reading here and learning.
I hope someone knows about the 60 day question tho'!