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In addition to financial criteria, some programs may also consider other factors that were impacted by the pandemic. For instance, a borrower who experienced a sudden medical emergency or had to care for a sick family member might qualify for relief if they can demonstrate that these circumstances affected their ability to make payments. These programs are designed to be compassionate and responsive to the diverse challenges faced by individuals during this unprecedented time.

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• The Federal Emergency Management Agency (FEMA) is a U.S. government agency responsible for coordinating disaster relief and recovery efforts. While FEMA is well-known for its assistance in housing, healthcare, and other critical needs during emergencies, the question of whether it covers flooded cars remains a point of confusion for many. Floods can render vehicles unusable, and owners often wonder if FEMA will provide financial assistance to repair or replace them. This article aims to clarify FEMA's stance on this issue, offering insights into the agency's policies and limitations.