Cares act mortgage forbearance and refinancing

My parents interest rate is 6% and they have 13 years left on their 30 yr loan. They are paying $2,600+ per month. They have a Freddie mac loan. They are looking to refinance the loan in the future and I am looking into the mortgage forbearance from the cares act.

Based off this information can anyone tell me what they would do if they were in this situation.

The $32,000 would be spent to prevent me from having to take out student loans, maybe invested in index funds, or my parents would fund the remodel once I get an FHA loan on a house next year

Im only 19 so please dumb down the comments, thank you. And im not sure if this is considered real estate investing, but I dont know where else to go.

This post makes no sense.