An unusually prolonged or complex illness, esp. one that causes severe organ dysfunction or threatens life. Catastrophic illnesses often make exceptional demands on patients, caregivers, families, and health care resources.
However, if your current mortgage lender has discounted your current mortgage loan balance, the mandatory waiting period after loan modification is 12 months from the effective date of the loan modification with a 12 months on time payment history which is reflected on your credit report.
The total duration of pre-completion and post-completion OPT is 12 months, unless eligible for STEM OPT extension of 17 months (for a total duration of 29 months). In other words, any period of pre-completion OPT is deducted from the available periods of post-completion OPT.