Hey - with one in thirty two 'Folks" on probation or incarcerated in the good ole USA (most for non -violent crimes)- at an average annual cost in Federal prison of over 50k per year - why not let homeowners who can't make their payments:
Get paid by Uncle Sam to house them!
The average homeowner could take two prisoners for say half of what the Fed pays out - and have enough income to pay the mortgage - and enough left over to go shopping,
The prisoners would have a chance to acclimate back into society in a way that might cut down on recidivism -saving society a ton of grief and money.
And - Plenty of dough available to help the States pay for teachers.
Hey - this may be the digibandit's best idea for saving America - since recommending Bernie Madoff for Treasury Secretary.
(Oh -and the government would pay a hefty premium for homeowners who house violent prisoners - of course)
AND -Huge bonus' available for those who house pedaphiles