The White House's initiative was designed to address past errors made by loan servicers that failed to give payment credit where it was due - or that may have provided poor advice when borrowers called for assistance.

白宫的举措旨在解决过去贷款服务机构所犯的错误，这些错误未能在到期时提供付款信贷，或者在借款人寻求援助时可能提供了糟糕的建议。