Forbearance is a three-month period intended to help you through this crisis. It’s important to know that once the three-month forbearance period ends, you will need to pay all the paused payments back at once as well as resume your regular payment. We recognize that this may be a financial burden. To help, we will talk with you before your forbearance period ends about your circumstances and the options which may be available. We will contact you near the end of your forbearance period to evaluate your financial situation and see if you are able to make the payments. If you miss the call, make sure to contact us before the last day of your forbearance period. Based on our conversation, we may be able to offer you continued forbearance, an alternative repayment plan, payment deferral or loan modification, depending on your loan type and financial situation. Failure to make your payments or enter into an alternative option may cause loan delinquency.