Dear {credit}:
I am writing to request {lower payment/skipping a payment/loan forgiveness/etc.} due to extreme hardship.
I have been extremely ill with COVID-19. I {tested positive/was confirmed} on {date} and {was in the hospital/am still very weak/can't return to work/etc.}.
Please advise me of my options. I barely have enough cash on hand to take care of shelter, utilities, and food. I can afford a payment of {amount} per month.
Sincerely,
{Sender Name}
Enclosures: {medical records}
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Index of Hardship Letter Examples