I am writing this letter because I foresee financial difficulties in my near future and I would like to discuss a way that I can work with a {reduced principle/loan modification/etc.}.
While I am currently able to meet the conditions of my loans, I will not be able to during the course of this year. I recently became pregnant, and it has significantly affected my financial situation. I will be acquiring a lot of medical bills, taking unpaid maternity leave from {date} to {date} and taking on a new dependent.
I would like to arrange {modification/forgiveness} now so that I can best plan how to make up for this loss of income after the birth. Please contact me using the information listed above so that we can discuss a payment plan. Thank you.
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Index of Hardship Letter Examples