Which programs helped people refinance their mortgages at lower interest rates so as to avoid bankruptcy?

Question

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The Home Owners Loan Corporation (HOLC) helped people refinance their mortgages at lower interest rates so they could avoid bankruptcy. The Workers Progress Administration (WPA) provided jobs and infrastructure during the Great Depression, the Civilian Conservation Corps (CCC) employed young men in conservation work, the National Recovery Association (NRA) aimed to stabilize prices and wages, and the Securities and Exchange Commission (SEC) was established to regulate the stock market and prevent fraud.

Which Programs Helped People Refinance Their Mortgages at Lower Interest