Start the process by calling your lender or loan servicer to request the forbearance. In some instances, you can go online to the lender or loan servicer's website and download the necessary forms. Complete the forbearance application and submit it electronically, if possible. You may be required to set up a login, password and personal identification number (PIN).
Complete the student loan forbearance request form. In addition to identification information, the form will ask you to specify the reason you're requesting the forbearance and to indicate whether you wish to postpone loan payments altogether or make smaller payments. Also, explain how long you want the forbearance to remain in effect by filling in the desired start and end dates. Sign and date the form to acknowledge that you've read, fully understand and accept the terms and conditions that apply to the forbearance request.
Execute mortgage loan forbearance forms and/or mortgage forbearance agreements under the guidance of an experienced attorney. These forms vary from lender to lender and should be carefully reviewed. Sample agreements can be found in the References section.