{"id":358440,"date":"2020-05-19T15:29:23","date_gmt":"2020-05-19T21:29:23","guid":{"rendered":"https:\/\/www.creditrepair.com\/blog\/?p=358440"},"modified":"2022-01-20T19:30:08","modified_gmt":"2022-01-21T02:30:08","slug":"what-is-a-hardship-program","status":"publish","type":"post","link":"https:\/\/www.creditrepair.com\/blog\/finance\/what-is-a-hardship-program\/","title":{"rendered":"What is a Hardship Program?"},"content":{"rendered":"\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"500\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/05\/AdobeStock_310432924_header.jpg\" alt=\"A person's hands typing on a laptop keyboard.\" class=\"wp-image-358451\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/05\/AdobeStock_310432924_header.jpg 1500w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/05\/AdobeStock_310432924_header-450x150.jpg 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/05\/AdobeStock_310432924_header-600x200.jpg 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/05\/AdobeStock_310432924_header-900x300.jpg 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/05\/AdobeStock_310432924_header-1400x467.jpg 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/05\/AdobeStock_310432924_header-300x100.jpg 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/05\/AdobeStock_310432924_header-768x256.jpg 768w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/><\/figure>\n\n\n\n<p>According to the <a href=\"https:\/\/news.northwesternmutual.com\/planning-and-progress-2019\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Northwestern Mutual 2019 Planning &amp; Progress Study<\/a>, Americans reported an average of over $29,000 in debt. Whether you&#8217;ve been struggling with debt for a while or you\u2019re facing new issues due to emergency times, a hardship program might be able to help.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-hardship-program\">What Is a Hardship Program?<\/h2>\n\n\n\n<p> Hardship programs are lender policies that can provide some relief for people who are experiencing financial difficulty. The details of these programs vary by lender and loan type, but they typically involve an agreement between you and the lender. The lender might allow you to skip certain payments, <a href=\"https:\/\/www.creditrepair.com\/blog\/credit-score\/what-is-a-debt-income-driven-repayment-plan\/\">make reduced payments<\/a> or reduce your interest rate so monthly payments are lowered. <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1501\" height=\"516\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/Asset-6.png\" alt=\"Hardship programs are lender policies that can provide some relief for people who are experiencing financial difficulty.\" class=\"wp-image-358574\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/Asset-6.png 1501w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/Asset-6-300x103.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/Asset-6-600x206.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/Asset-6-768x264.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/Asset-6-450x155.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/Asset-6-900x309.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/Asset-6-1400x481.png 1400w\" sizes=\"(max-width: 1501px) 100vw, 1501px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-qualify-for-a-hardship-program\">How to Qualify for a Hardship Program<\/h2>\n\n\n\n<p>The qualifications for hardship programs depend on each\nlender. Typically, lenders require that you show that you have a need via some\ntype of documentation. You may also have to show that your situation has\nchanged such that you can\u2019t make payments as previously agreed upon. Some\nexamples of situations that could help you qualify for a hardship program\ninclude:<\/p>\n\n\n\n<ul><li>A disaster or emergency<\/li><li>The loss of a job or a change in income<\/li><li>Increased expenses, such as unplanned medical bills<\/li><li>Major life changes, including a death in the family or a divorce <\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-apply-for-a-hardship-program\">How to Apply for a Hardship Program<\/h2>\n\n\n\n<p>Many lenders offer assistance programs, but they require applications and documentation. Contacting your lender to ask about hardship programs as soon as possible helps ensure you can complete the process and enroll in a program before you collect excessive late fees or find yourself in a worse situation. (Like foreclosure.) <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-reach-out-to-your-lender\">1. Reach Out to Your Lender<\/h3>\n\n\n\n<p>Call the customer service or hardship phone line listed\non your statements, loan paperwork or lender&#8217;s website. You can also check your\nlender&#8217;s website to see if there is an online option for applying for a\nhardship program. Many lenders offer digital applications or downloadable forms\nyou can print, fill out and mail in.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-write-a-hardship-letter\">2. Write a Hardship Letter<\/h3>\n\n\n\n<p>Whether your lender has an application in place or not, it&#8217;s a good idea to send a hardship request letter. You can send this letter as an attachment with an application and any other documentation they require. A hardship letter is where you can make your case logically and calmly. You should never lie, use your letter to complain about an unfair situation or promise that things will change in the near future. Instead, include the following information in your letter: <\/p>\n\n\n\n<ul><li>What led to the current situation<\/li><li>Why you can&#8217;t change the situation now and need\nassistance<\/li><li>Steps you&#8217;ve taken to try to cope with or\nimprove your financial situation<\/li><\/ul>\n\n\n\n<p>Include as many specifics as possible and try to\nsupport your story with facts and figures. For example, if your child required a\nnew medication you would write that it has an out-of-pocket cost of $300 a\nmonth and that you have sold one of your cars to help cover expenses.<\/p>\n\n\n\n<p>The goal is to show that a hardship program is your last resort\u2014other than going into default or foreclosure. Remember to keep copies of your hardship letter and all other documents for your records.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1528\" height=\"694\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/Asset-2.png\" alt=\"You can send a hardship request letter as an attachment with an application and any other documentation that is required. Try to make your case logically and calmly.\" class=\"wp-image-358575\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/Asset-2.png 1528w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/Asset-2-300x136.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/Asset-2-600x273.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/Asset-2-768x349.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/Asset-2-450x204.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/Asset-2-900x409.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/Asset-2-1400x636.png 1400w\" sizes=\"(max-width: 1528px) 100vw, 1528px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-a-hardship-plan-will-affect-your-credit-score\">How a Hardship Plan Will Affect Your Credit Score<\/h2>\n\n\n\n<p>Enrolling in a hardship plan doesn&#8217;t directly impact\nyour credit score, but how the creditor manages your account can indirectly\nimpact your credit in a few different ways.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-your-lender-closes-your-credit-account\">Your Lender Closes Your Credit Account<\/h3>\n\n\n\n<p>If you enter into a hardship program, it\u2019s possible your\nlender may close or temporarily suspend your account. (This is more common with\nrevolving credit accounts such as credit cards.) In most cases, lenders don&#8217;t\nwant you to keep using your credit account until it has been remediated or your\nfinancial situation has improved. <\/p>\n\n\n\n<p>If your account is closed, it may increase your credit\nutilization ratio, change your credit mix or affect the age of your credit\u2014all\nof which could reduce your credit score.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-hardship-program-could-appear-on-your-credit-report\">The Hardship Program Could Appear on Your Credit Report<\/h3>\n\n\n\n<p>Typically, lenders who agree to work with you via a\nhardship program won&#8217;t report you as making late payments or missing payments\nas long as you&#8217;re making all payments as agreed under the program. (This varies\nbetween lenders\u2014make sure you check with yours.) <\/p>\n\n\n\n<p>That being said, they might update their information on\nyour credit report to show that you have entered into a hardship plan. If you\napply for a new loan or credit account in the future, lenders will see the\nhardship plan when they pull your credit report\u2014which may affect your ability\nto qualify. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-to-do-if-you-are-denied-enrollment\">What to Do If You Are Denied Enrollment<\/h2>\n\n\n\n<p> If your lender doesn&#8217;t offer a hardship plan or denies your application\u2014and you can&#8217;t otherwise <a href=\"https:\/\/www.creditrepair.com\/blog\/uncategorized\/ways-you-can-negotiate-your-credit-card-debt-downward\/\">negotiate credit payments down<\/a>\u2014you can try some other options. Here are three things to try: <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-consolidate-your-debt\">1. Consolidate Your Debt<\/h3>\n\n\n\n<p>If you can&#8217;t make your debt payments as they&#8217;re\ncurrently structured, you might consider consolidating your debt to make it\nmore manageable. You could also try consolidating credit card debt with a\nbalance transfer card with a 0% introductory APR that helps you get ahead on\nyour debt faster.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-take-on-another-job\">2. Take on Another Job<\/h3>\n\n\n\n<p>Sometimes, you can&#8217;t find a way to reduce expenses or bills. That means you might have to increase your income. Taking on a second job is one of the quickest ways to do this. You could also do odd jobs or join the gig economy to make more money on the side.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-request-a-forbearance\">3. Request a Forbearance<\/h3>\n\n\n\n<p>Depending on what type of loans you&#8217;re dealing with, you can request a <a href=\"https:\/\/www.creditrepair.com\/education\/counseling\/forbearance-vs-deferment\">forbearance<\/a>.&nbsp; Forbearance allows you to stop making payments for a specific period of time without accruing extra interest or penalties. Usually, your payments are added on to the end of the loan, but you\u2019ll want to be sure to understand your agreement and future payment responsibility.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-financial-hardship-resources-for-covid-19\">Financial Hardship Resources for COVID-19<\/h2>\n\n\n\n<p>While various lenders have hardship programs in place\nas a natural course of business, many are stepping up to offer extra assistance\nduring the COVID-19 pandemic. The federal government is also providing some\nprovisions for relief via the CARES Act. Some resources for financial hardship\nduring COVID-19 include:<\/p>\n\n\n\n<ul><li>Loans for small businesses to help ensure they\ncan keep people on the payroll<\/li><li>Financial aid via stimulus checks for many\npeople<\/li><li>Provisions to extend unemployment to more people\nand increase the amount of unemployment that&#8217;s paid out<\/li><li>Certain <a href=\"https:\/\/www.creditrepair.com\/blog\/news\/credit-protections-in-the-cares-act\/\">credit\nprotections<\/a> and accommodations consumers might be able to take advantage of<\/li><\/ul>\n\n\n\n<p>Whatever money issues you&#8217;re dealing with, taking a\nproactive approach\u2014whether you&#8217;re trying to rehabilitate your credit or figure\nout how to cover your loan payments\u2014is typically best.<\/p>\n\n\n\n<p>If you have any questions about what can affect your credit score or how financial hardship may show up on your credit report, give one of our <a href=\"https:\/\/creditrepair.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">credit advisors<\/a> a call. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dealing with a major financial emergency can impact your ability to deal with debt. Find out how hardship programs might help.<\/p>\n","protected":false},"author":53,"featured_media":358471,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[158],"tags":[499,167,92],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.5 (Yoast SEO v18.5.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is a Hardship Program? - CreditRepair.com<\/title>\n<meta name=\"description\" content=\"Dealing with a major financial emergency can impact your ability to deal with debt. 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