There are insurance policies for loans that will cover the cost of the loan if you become unemployed or disabled. Ask any institution you consider borrowing from whether they have this coverage. If they don’t, you may also be able to request payment deferments or waived late fees. These requests are approved at the lender’s discretion unless your contract states otherwise.
Some lenders also let you freeze payments for a set period of time. This is typically a one-time option and may not be available for every loan. If you already have a loan and think you might be late on a payment, contact the lender as soon as possible to work out a solution. Lenders are often willing to work with you when they know what to expect ahead of time. Banking institutions typically do not like surprises, especially surprises that involve bounced checks or missed payments.
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