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buy monoket Banks have spent tens of billions of dollars modifying or forgiving loans for struggling homeowners, the latest being JPMorgan. Last month, they agreed to pay an additional $4 billion to help troubled borrowers and neighborhoods as part of a larger settlement with the Justice Department. But housing counselors around the country say all this money isn't making much of a dent in the problems they see. NPR's Yuki Noguchi spoke with some of them and has this report.