Financial Hardship: Loan Assistance Factors Estimator

Income & Employment Status

$
$

Monthly Essential Expenses & Other Debts

$
$
$
$
$
$
$
E.g., Credit cards, other loans, etc. (excluding the primary loan you might be seeking hardship for, if this tool is for a specific loan).
Total Essential Expenses & Other Debts: $0.00

Assets & Hardship Context

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Hardship Factors Summary & Guidance

Please complete all previous tabs to view your summary and guidance.

Important Next Steps:
  • This tool provides a general indication based on common factors. It is NOT a guarantee of eligibility for any specific assistance program.
  • Contact your lender(s) or loan servicer(s) IMMEDIATELY to explain your situation and discuss available hardship options (e.g., forbearance, deferment, loan modification, reduced payment plans).
  • Be prepared to provide documentation to your lender (e.g., proof of income loss, recent bank statements, medical bills, a hardship letter).
  • Consider contacting a non-profit credit counseling agency for free or low-cost assistance. In the U.S., you can find one through the National Foundation for Credit Counseling (NFCC).
  • For specific loan types, explore official resources:
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