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.
I'm guessing that's what will happen. Can you tell me what a servicer can do?
Sure. As you probably know already, they are related to loans management, so in a formal way, they are companies that we assign to handle the billing and other services on your federal student loan on our behalf. That service is done without any cost for you.
Umm, yeah, and that could be bad. Can you give me an alternative to that, then?