A forbearance is a postponement of loan repayment that is allowed due to certain types of financial hardships. During forbearance, your monthly loan payment(s) may be suspended or reduced, but interest will continue to accrue. If that interest is unpaid, it will be added to the principal balanced (capitalized) of your loan(s), which increases the total amount owed.
Student Debt Manager will automatically help you determine whether or not you may qualify for a forbearance or, in more severe cases, a deferment.