It is really hard to qualify for any kind of economic hardship. I'm having a hard time paying my student loans so I was interested in deferring them for a bit. But they insist I make enough money to pay them. They don't know how much I pay in rent and that I am in an expensive housing area. They don't know how much I pay to daycare. They don't know how much money I spend just getting to work every day. And they don't ask. Luckily, I was able to forbear my loans for a few months. Hopefully I will be able to pay them then.