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The specific points of that plan have yet to be made public, but the administration has vowed to focus on helping both homeowners with mortgage loans and lenders through this crisis. Secretary of Treasury, Timothy Geithner, told the Senate Banking Committee that any plan to address the struggling real estate market will center around bringing down monthly payments on mortgage loans. Foreclosures on mortgage loans can be more costly to banks and investors than modifying those loans. So the administration has been meeting with banks and housing industry groups to come up with strategies to stem foreclosure rates. Lowering rates for mortgage loans and postponing the principal to the end of the term on loans are some of the suggestions to come out of the meetings.