Kantrowitz说对于那些4到12个月未能履行还贷义务的家庭，坐下来和贷方协商换款计划才是最现实的做法。

For families who have missed four to 12 months worth ofpayments, the most realistic option is to work out a payment plan with thelender, says Kantrowitz.

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此外，由于申请人未能按《租赁合同》的规定履行其多项义务，没有为租赁房屋取得各种许可及证书，致使租赁房屋不能合法地作为学校使用。

Further, Applicant failed to perform its duties under the Lease and failed to obtain various permits and certificates for the Premises, making the Premises legally unfit for school operations.

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