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What is a hardship program?

Short answer

A temporary plan from a lender, like lower payments, lower interest or paused payments, for people facing job loss, illness or other money trouble.

Rules differ by state. This is general information, not legal or professional advice.

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Official sources

CFPB: trouble paying debtsconsumerfinance.gov
HUD: find a housing counselorhud.gov
FTC consumer advice: debt relief scamsconsumer.ftc.gov