All In Credit Union provides financial assistance during times of difficulty, and we hope to offer suitable options once your eligibility has been determined.

The options are customized for each loan. The hardship plans offered depend on various factors for your loan, including any previous loan modifications, the number of payments remaining, and the creditor’s authorization.

Hardship plans will only be available if you are eligible after your request is reviewed. After receiving a complete application, hardship requests can take up to 30 days to process.

Frequently Asked Questions

How Do I Apply?

You must be logged into your account to access the hardship application. After logging into your account, you can apply here.

You will typically be notified via email at the email address on file and receive an update on your dashboard within 7 business days with a decision. During our review, you may be asked to provide additional documentation to complete your request. If approved, you will be provided with the available options on your dashboard.

Please note that if you have multiple loans, a separate hardship request is required for each loan you need assistance with.

What Are the Eligibility Requirements?

For most loans, the initial eligibility requires you to have completed anywhere from 2 to 4 payments. Some of the additional eligibility requirements are:

● Loan is not charged off

● Loan is not in the final payment period

● Loan has not been modified by settlement

Eligibility requirements may vary depending on the loan, so we recommend that you submit an application to determine your eligibility. If you are not eligible after the application is reviewed, additional details will be provided through your email address on file and in the message box on your dashboard.

What Are My Next Steps After Approval?

To review and accept a plan:

1. Log into your dashboard.

2. Select ‘View Loan’. A banner will appear that reads, ‘We have received your request for assistance and can present you with a few options. Select a plan.’

3. Click on ‘Select a plan,’ which will bring up the acceptance page, where the details of the hardship plan are listed.

4. After selecting a hardship plan, you will be prompted to select a future payment method

5. Click ‘Begin New Plan’ to complete the process.

Please note that the hardship plans presented upon approval are the only options available. We are unable to modify or extend them.

How Does Hardship Impact My Credit?

Not acting could result in a negative impact on your credit score or keep you from obtaining financing in the future. Depending on the type of hardship plan you select, it may be reported to the credit bureaus as modified, forbearance, or partial payment agreement.

For more information, we recommend that you reach out to the credit bureaus.

What Are My Options Outside of Hardship?

Utilizing the Grace Period: With every due date, you automatically receive a 15-day grace period. A late fee will be assessed on the 16th day an account becomes past due.

Bringing the account to current before the next due date: Accounts are reported to the credit bureaus as of each due date. If an account is current by its next due date, it will not be reported as past due.

Making multiple smaller payments that add up to the monthly amount due, on the dates that work best for you: Split payments can be made at any time from your dashboard or over the phone. If you do plan to make smaller payments when you are able, please keep in mind the last day of grace, our credit reporting policies, and that interest accrues on a daily basis. Also please be aware that one-time payments do not cancel out AutoPay payments. However, you may turn off the AutoPay payments at any time through your borrower dashboard.