Moving Forward from Financial Challenges
We have the tools and resources to help get you on the right path.
We are here to lend a hand
Know When to Seek Help
Struggling to pay your monthly loan payment or meet basic, everyday expenses are signs you’re experiencing financial hardship.
Other warning signs:
Straining to make minimum payments on your credit obligations
Missing payments or juggling bills
Overdrawing your checking account often
Tapping into savings to keep up
Feeling increasingly worried about money
How to Get Help and Support
Consumer credit counseling
The nonprofit National Foundation for Credit Counseling (NFCC) supports a network of committed credit counselors who deliver financial education, counseling, and debt relief services for those struggling with credit card debt, student loans, housing decisions, and overall money management.
Connect with the NFCC to discuss low- to no-cost plans to manage or consolidate your debt by calling (833) 236-7191, or by filling out this form. For additional credit counseling options, visit the Consumer Financial Protection Bureau to learn more about how to find the best counselor for you.
Local financial programs and support
Log in to your Happen Bank account to access verified nonprofit, government, and other resources through SpringFourTM.
From employment retraining programs and home repair grants to discounts on utilities, prescriptions, and groceries, you can connect to local programs that help you reduce expenses and improve your financial wellbeing.
Payment grace period
When cash gets tight, making payments on time can get more difficult. We get it.
That's why as long as we receive your full payment within 15 days of your due date, you won’t be charged any late fees or reported as late to the credit bureaus. But remember that daily interest still accrues on your outstanding principal balance. This may mean that more of your next payment will apply toward interest versus principal and may extend your loan end date.
Happen Bank Hardship Payment Assistance
Contact Us
Most of the time, financial setbacks are temporary. It’s okay to ask for help. With the right resources and assistance, it’s possible to create a plan that resolves most of your immediate concerns and gets you moving in a better direction.
Call 844-227-5011 or chat online with an experienced team member.
When you’re on a hardship payment plan, interest will continue to accrue daily on the outstanding principal through the deferment period as described in your agreement. This means that when you resume your regular payments, a larger portion of your payment will be applied to interest. As a result, this may extend the end date of your loan.
For all hardship plans: If we don't receive each of your hardship plan payments on time and in full, your hardship payment plan will be canceled. At that point, we'll report your account as past due to the credit bureaus from the date that your account originally became delinquent, and you will be responsible for making any payment amounts that were originally deferred based on the terms of your hardship plan agreement.
Additionally, for short-term 50% hardship payment plans and loan modifications during the lock-in period: If you breach your short-term 50% hardship payment plan, your contractual interest rate will be applied to your account from the date your account originally became delinquent, including all dates previously covered in your hardship payment plan.
When we cancel your hardship payment plan, we will update your agreement end date to reflect the same end, or maturity, date listed prior to enrolling in the hardship payment plan.
