Session continues and negotiations also continue to determine just how the trust fund, meant to avoid preventable foreclosures and ameliorate the effects of the foreclosure crisis, should be spent. NYS Rural Advocates believe the existing financial literacy programs, Statewide partnerships with legal services and housing counselors, and continuing homebuyer education classes should be supported. State affordable housing programs that assist first time home buyers and rehabilitation programs that decrease the cost of operating and maintaining a home should be expanded. These funds could best be used to stabilize the capacity of non profits preservation companies that provide housing counseling and training with longer term, reliable contracts for foreclosure mitigation and housing services. New York has many effective housing programs that are in demand. This is an opportunity to build on this foundation and serve those in need of affordable housing.