The initial step in saving the middle-class is to do what the upper class does--refinance assets and debts, e.g., Sallie Mae, Freddie Mac, Fanny Mae, TARP, Federal Reserve, etc. Refinance 13 is (will be) a quasi government agency like the previous agencies. In effect, it will implement a one-time refinancing of all middle-class debt as if the middle-class went through a combined Chapter 13 bankruptcy.

This will require the austerity of the usurists to

1. live off the principal of their money lending rather than
2. live off the interest on debt from driving the middle-class to desperation, depression and demise.

The alternative is a universal Chapter 7 liquidation of debt called social, economic and political revolution. Refinance 13 is not a luxury but a necessity if we are to save the middle-class. If we do not save the middle-class, we won't save anything by solving the big, common public problems: Climate Change.

24-in-4: By better freeing our human potential we can have a 24-hour workweek in 4 years with more disposable money and time for self, family and community in a safer, saner world.

Caveats:

1. Please note there is a one dollar processing fee for each debt. Once your jumbo Refinance13 loan is computed, you will then enter your earnings which will compute your monthly payment for profit-sharing payback: 50% of your disposable income beyond a cost of living determination.
2. A few rules apply, primarily, you complete your monthly Healthcare Community Service (HCS)
3. HCS doubles if you are unemployed for three months, triples at six months, quadruples at nine months with only the basic hours counting toward HCS. The reason for this should be obvious. It does not apply if you are retired.