Does anyone know what the difference is between the two? We are just getting ready to send in our 1st trial period payment this week. They said we made too much to get the HAMP one. I mentioned before that they are claiming we make way more than we actually do. They had to add 125% to my son's ssi payments. What are the reasons they deny you ever after you made all the trial payments? I've asked chase several times if the perm mod will be more than our trial payments and they keep saying it might go up a few dollars. Not sure if I believe that. I've read horror stories where someone got a trial period payment that was doable, but then their perm mod was hundreds of dollars more than the trial.