In the event of a foreclosure, loan help can sometimes be made available, originating from a few common sources. First and most simply, the foreclosing lender can usually offer foreclosure loan help. If the homeowner qualifies for their loan modification program, the loan will be reassessed, and then restructured to be more affordable. Loan modifications, which generally consist of changes in interest rates, term length, and principal, are sponsored through several government funded programs. This increasingly popular process has been a advantageous form of assistance to many homeowners in recent years. Apart from the loan modification, other services funded by the government may also be of assistance to the lender. One such program is HUD, which offers housing counseling services to individuals facing foreclosure. Bankruptcy can sometimes be of assistance also, although the negative impact on credit is even worse than that of foreclosure.