It's for individuals facing hardship who need to consolidate credit cards and other high interest debts into one affordable lower monthly payment.
They're loans with 0% interest intended to help pay off certain types of high interest debt much faster, for individuals who qualify for hardship.
A good credit standing is not required, but you do need to have at least $10,000 in debt from either credit cards or bank loans. And you do need to speak to a representative who can help you file a claim for hardship.