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hardship. When the financial hardship has been determined to be long-term, the family is not required to repay the minimum rent. The hardship period ends when any of the following circumstances apply: (1) At an interim or annual reexamination, the family's calculated TTP is greater than the minimum rent. (2) For hardship conditions based on loss of income, the hardship condition will continue to be recognized until new sources of income are received that are at least equal to the amount lost. For example, if a hardship is approved because a family no longer receives a $60lmonth child support payment, the hardship will continue to exist until the family receives at least $60lmonth in income from another source or once again begins to receive the child support. (3) For hardship conditions based upon hardship-related expenses, the minimum rent exemption will continue to be recognized until the cumulative amount exempted is equal to the expense mcurre . 6-III.C. APPLYING PAYMENT STANDARDS [24 CFR 982.505] Overview SAHA's schedule of payment standards is used to calculate housing assistance payments for HCV families. This section covers the application of SAHA's payment standards. The establishment and revision of SAHA's payment standard schedule are covered in Chapter 16. Payment standard is defined as "the maximum monthly assistance payment for a family assisted in the voucher program (before deducting the total tenant payment by the family)" [24 CFR 982.4(b)] . The payment standard for a family is the lower of (1) the payment standard for the family unit size, which is defined as the appropriate number of bedrooms for the family under SAHA's subsidy standards [24 CFR 982.4(b)], or (2) the payment standard for the size of the dwelling unit rented by the family. If SARA has established an exception payment standard for a designated part of an FMR area and a family's unit is located in the exception area, SARA must use the appropriate payment standard for the exception area. SARA is required to pay a monthly housing assistance payment (HAP) for a family that is the lower of (1) the payment standard for the family minus the family's TTP or (2) the gross rent for the family's unit minus the TTP. If during the term of the HAP contract for a family's unit, the owner lowers the rent, SARA will recalculate the HAP using the lower of the initial payment standard or the gross rent for the unit [HCV GB, p. 7-8]. Changes in Payment Standards When SARA revises its payment standards during the term of the HAP contract for a family's unit, it will apply the new payment standards in the following:. 2/25/13 Page 6-33