Arrears can be cured over a reasonable time (i.e. over 5 years). Did you know there is a different standard for curing leases? Promptly!
Section 1322(b)(5) says the debtor’s plan may provide for the curing of any default within a reasonable time….
Section 365(b) says the debtor will promptly cure such lease default… and Webster definition of promptly is “with little or no delay; immediately.”