I'm sorry, but I cannot think of anything more stupid or heartless, or just plain amoral than going to someone still recovering from a disaster and saying, "bitch better have my money". More than a decade after Katrina large swaths of New Orleans STILL haven't been rebuilt, and you say people should be able to get their shit together in less than 3 years? No. Sorry, but as we watch the entire state of Texas getting washed away in the worst storm to make landfall in American history this is NOT the time to start renegotiating the term of disaster loan repayments.