Huddersfield Town recruitment decisions will have to wait until financial impact of coronavirus pandemic is assessed

TEAM OF THE WEEK: How many Huddersfield Town players make the cut? - The selections are in.The Terriers are still battling to secure their place in the Championship and sit two points clear of the bottom three ahead of a trip to Reading on Tuesday evening.

There are a handful of loan players, such as Trevoh Chalobah and Jonas Lossl, at the club who Cowley would like to keep a hold of but he is currently unable to plan for that eventuality given the financial struggles facing Huddersfield, and a majority of EFL clubs, as a result of the pandemic.

Chalobah and Lossl are on loan from Chelsea and Everton respectively, although Lossl has previously stated his intent to return to Merseyside and fight for the number one spot at Goodison Park next season.

Huddersfield chairman Phil Hodgkinson confirmed last month that the club had their parachute payments from the Premier League cut and revealed the pandemic has already cost the Terriers millions of pounds.

"We are not sure where we are in terms of finances for next season, we are waiting to see and assess the damage of this situation," said Cowley.

"This period has been really damaging, not just for Huddersfield Town but teams across the Championship and particularly the lower leagues."

He continued: "I would love to be in a position now where we had some real clarity on where we are at financially but we aren't afforded that.

"We won't be the only club, this is a very, very difficult moment for football clubs. No-one anticipated this situation and the losses and expenditure that have come from this pandemic.

"We don't even know when next season is going to start and whether it will start with or without supporters.

"Until these questions can be answered, there is no way we can be given direction as to where we are financially.

"We understand and accept that, I am not going to lie, it makes you feel uneasy because it is not something I am used to.

"I am a planner, it is one of my best qualities and without the clarity it is difficult to put plans in place. We have to work with it and be ready, do all the background work, so we can react when we do have some clarity."

Huddersfield will arrive in Reading on Monday night ahead of Tuesday's fixture, which will be their fourth game in just 10 days.

Cowley is likely to make a number of changes to the starting 11 that drew 0-0 with Preston North End on Saturday, when Huddersfield made it consecutive clean sheets for only the second time this season.

The Terriers manager had revealed after Saturday's stalemate that Fraizer Campbell was not fully fit, despite playing the first 45 minutes before being replaced by Steve Mounie.

Cowley has not yet decided who will start against Reading and is set to finalise his squad on Tuesday morning.

He said: "Fraizer is a fighter and he will always put his hand up, he is Huddersfield Town through and through. No one wants to see the club be successful more than Fraizer.

"He will do whatever the team needs, he was selfless on Saturday because he wasn't anywhere near 100 per cent fit if we are honest but he was willing to put himself out there.

"He is an important part of the team and he knows his presence can get five per cent more out of people around him and that is what good number nines do.

"When Steve came on he did great. He came in off the back of a thigh strain, so to come in and train two sessions and play Wednesday and then again on Saturday was a credit to him.

"I am proud that the boys were willing to put their bodies on the line for the group."