another credit card balance. you have to avoid that. >> freeze it, put it away, hide it from yourself. >> and you get the tax refund, pay off the 401(k) loan. >> susan writes in, i want to investigate a manual home loan modification. how do i learn the process of this type of modification? >> hud.gov has a great resource in the area where they can get free hud approved credit counseling services to assist individuals. great tip of advice, start right now in terms of the process. sometimes mortgage service providers don't require you to be behind in your payment. some do require. but not necessarily. also make sure krur doing the right thing in making sure you're contacting your lender directly. call your mortgage service provider to see exactly who your lender is, put it in and see if your money comes up. start doing those things to make sure you can negotiate with them directly. talk to the loan mitigation process at the loan provider and make sure you get that down.