Best Effective Hardship Letter Templates You Must Read

Financial Hardship Letter
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Are you facing financial difficulties and struggling to find a way to communicate your situation to a lender, creditor, or other financial institution? Composing a well-written hardship letter can help you explain your current financial situation and request the assistance or relief you need to overcome it. At templatesgo, we can simplify the process of creating this letter but still keep it sound original. You will complete this letter within minutes following three steps with our document generator.

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Word and PDF

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Explore Hardship Letter Templates

How Our Document Generator Works?

1. Select Your Template

1. Select Your Template

Start by clicking on "Explore Hardship Letter Templates."

2. Input Your Information

2. Input Your Information

Respond to a few questions to generate a letter draft.

3. Finalize and Get Your Letter

3. Finalize and Get Your Letter

Review the document, and your ready-to-use letter can be downloaded..

How To Write A Good Hardship Letter?

Writing a formal letter can be challenging, especially if you are not a good writer. Also, It can consume your time and energy if you do not know where to start. For that reason, we provide professional hardship templates for various purposes that include all the necessary information. You just need to add your input to fill out our template and review it. Or we will guide you step by step to draft your letter with clear instructions. There are certain rules to follow to craft a well-written hardship letter that we should follow:

Introduce yourself and state the intent of the letter

As a rule of thumb for writing a formal letter, you need to address who the receiver is (the lender/creditor's name) and your information as the sender at the beginning. Then, the first sentence should clearly state the purpose of your letter, which is to explain the hardship you are facing and request assistance.

Explain the hardship

Now, this is an important part where you must explain briefly the financial hardship you have been experiencing since when, and why it was out of your control. Remember to be specific and include any relevant information, such as job loss, lay-off, medical issues, divorce, or any other unexpected circumstance that has led to financial difficulties. You can use a hardship letter template to craft this letter faster. However, we recommend you write your reason in your way to keep it sound original, honest, and natural.

Explain what you have done to address the situation

Provide brief information on any steps you have taken to address the financial hardship. For example, include this information if you have started a new job or are seeking new employment, etc..

State your request 

You need to propose an ideal solution and be committed to persuading the lenders. Be specific about how and when you can sort your problem out. Then, make it easy for the lender or creditor to understand what you need and how they can help you.

Close Your letter

Now you can end the hardship letter by expressing your willingness to work together to find a mutually beneficial solution and thanks for their consideration.

Provide supporting documentation 

Attach any supporting documentation or evidence with the hardship letter you may have before sending it. Doing so will help strengthen your case and become more persuasive for the lender. Here, we will list the documents you may use to submit:

  • 🔗Employment Termination Notice
  • Medical Expense Invoices/Statements
  • Bank and Brokerage Account Statements (Excluding Retirement and College Savings Accounts)
  • Recent Paystubs Showing Current and YTD Earnings
  • 🔗Form 1099s or 🔗W-2s for Independent Contractors or Employees
  • Signed Tax Returns for Current and Previous Years
  • Accident or Police Reports
  • Bills for Uninsured Losses or Repairs
  • Military Deployment Orders
  • Divorce Decree or Separation Agreement
  • Court-ordered alimony or Child Support Payments
  • Death Certificate
  • Proof of Incarceration
  • Detailed Monthly Budget/Expenses List
  • Proof of Unemployment Benefits
  • Disability Benefits Award Letter
  • Proof of Public Assistance Benefits
  • Notarized Affidavit (Sworn Written Statement)
  • Profit and Loss Statement for Business

Hardship Letter Templates For various purposes

Here, we provide the five most common templates you can select and customize without limitations. Our document generator will make your personalized letter in a professional format that is ready for immediate use.

  1. Select a template for a hardship letter that suits your situation.
  2. Answer a few simple questions to generate your information into the template.
  3. Review your draft and download your letter in business format, ready to use.

financial hardship letter To Creditors

Personalize This Template financial hardship letter template to customize with your reasons and explain it originally.

Simple hardship letter template

Personalize This Template Short hardship letter to customize freely and keep it sound original.

hardship letter For Loan Modification

Personalize This Template An editable hardship letter for loan modification that help you explain well your situation and seek help successully.

financial hardship for student loan letter

Edit This Template For Hardship Letter Hardship letter for student loan template you can create in just a minute.

School Financial Aid Hardship Letter

Edit This Template School financial aid hardship letter