[quote=jimmyle]My friend is calling HUD counselors tommorow. Hope they can help. Does he need to exaggerate his expenses to get help?

Even without any exaggeration, he has 0% saving rate right now. If you include his wife school loans, they have negative saving rate.[/quote]

No, he just needs to tell the truth. He will have to document his income and if his mortgage is over a certain % of his gross income then they can help.