We have 10,000 accounts that just went 30 days past due, each owing about $5,000 at a 24% APR. Without intervention, 40% will charge off within a year. If we offer a hardship plan that cuts their APR to 6% for 12 months, the charge-off rate drops to 25%. Is the plan worth it?

有1万个刚逾期30天的账户，平均欠5000美元，APR 24%。不干预的话，一年内40%会核销；如果给他们一个困难还款计划，12个月内APR降到6%，核销率能降到25%。这个计划值得做吗？