Hardship Letter for Student Loans

{Your Name}
{Your Address}
{Address Continued}
{Your Phone Number}

{Student Loan Provider}
{Address}
{Address Continued}
{Phone Number}

{Date}

To Whom It May Concern:

I am writing to {request a deferment, consolidation, restructuring, etc.} on my student loan(s), due to financial hardship.

Specifically, I am unable to continue to pay my loan(s) because {specific reasons, including unemployment, military deployment, medical problems, etc.}.

I have paid my bill on time and in full for {length of time}, so I hope you will see that I am ordinarily a responsible individual. I am not attempting to run away from my obligations to pay this debt; my current circumstances are just making it impossible for me to continue to make these payments.

I have attached the relevant financial documents that prove my financial hardship, including {pay stubs, tax documents, etc.}.

I hope that we can come to some kind of agreement as soon as possible.

Please contact me at your convenience.

Sincerely,

{Sender Name}

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