There are two main types of forbearance: general and mandatory.
How do I know if I can request a forbearance?
Are you experiencing financial difficulties?
No, all is fine with my finances.
Do you have medical expenses?
No, I'm healthy.
Was there a change in employment?
No, my work is the same as before.
Do you fulfill any other reasons acceptable to your loan servicer?
Yes, I do.
Then you should be able to get a general forbearance. A general forbearance is sometimes called a discretionary forbearance.
What if I don't pay the interest on my loan and let it be capitalized?