You may also be able to reduce or suspend collection if you can prove that collection will cause great hardship. (studentloanborrowerassistance.org)
People still managed to look stylish at a time of great hardship. (blog.folksy.com)
If fifteen dollars a month is a hardship, it's important to realize that replacing everything you own or paying a liability claim would be a far greater hardship. (effectivecoverage.com)