Life can be unpredictable, and hardship programs are specifically designed for unforeseeable circumstances that make it difficult to repay debt.
For example, the following circumstances might qualify you for hardship assistance:
Loss of employment
Change of income
Natural disaster
Family emergency
Unplanned medical bills
Divorce
However, it’s ultimately up to your lender whether they offer you hardship assistance. Contact your creditor for more information about what hardship options they offer and what their requirements are.