Launch Loan Agreement Editor. Topics on this page: What is Financial Hardship?What to Do If You Cannot Pay Your Bills; What is a Hardship Letter? It covers all aspects of the loan, including the loan amount, interest rate, repayment schedule, collateral (if any), and default provisions. Download a template here. Have you recently settled a debt and are searching for a paid in full letter? Good news, we've got two free sample form letters below. (Installment Loans-Licensing. Provisions).