Okay, so you just need to suspend your student loan payments for a short period
Is this financial situation just short term?
probably not
is there a way to get lower payments?
It might be good for to you consider a different repayment plan such as an income-driven repayment plan. These plans base your monthly student loan payments on your income and family size. In some cases, your payment could be as low as $0 per month.
can we get help because of the coronavirus and job loss?
Yes, federal student loan borrowers are automatically being placed in an administrative forbearance, which allows you to temporarily stop making your monthly loan payments. This suspension of payments will last from March 13, 2020, through Sept. 30, 2020.
what if I go with deferment, any advice on that ?
If that is the way you go consider paying the interest that accrues during that period, so that you can avoid some of the consequences.
and this will allow me to miss a few payments if I do this?
Do you know if you are eligible for deferment or forbearance?