u/HyperPluto5

I got into a bad accident and was on disability for a couple months. I contacted my lender and they gave the option of forbearance, but then it was explained if taken that option, I would be consider delinquent. After the forbearance period ends in 3 months, I would then need to repay back all the amount due in those 3 months. I thought it would be worse because I would not have a lump sump amount of money to pay it back after 3 months. Do you guys have any advice on what to do? Thank you so much!