Include in your letter your plans for dealing with the default, such as making a reasonable attempt to work out a payment plan. Mention any recent changes in your circumstances that make your capacity to repay the loan more plausible. This shows the creditor your willingness to repay the obligation. If you are unable to make the required payments, mention alternative means of payment that have been suggested. For example, if the bank is holding the job promotion as security for the loan, then mention that you have offered to provide additional security by providing the employer with a guarantee from your new employer or spouse. Include information about other creditors with whom you have shared information about the default. If others know you are having difficulty paying off your debt, they may be less willing to help you out. However, it is not recommended to include threats in your letter. Instead, explain how being forced to fail to pay would hurt your reputation and credit score, which might make it harder for you to get future loans. Finally, be sure to include all the necessary information on the form I-924. This includes your name, address, phone number, email address, and financial institution's name and address. Also include a note stating that you are submitting this document for consideration of a hardship discharge. After completing these steps, you should receive notification that your discharge has been granted.