The documents, which the Wall Street Journal says are called "COVID-19 borrower certifications," have become more common with the impact of the pandemic. Since the beginning of the COVID-19 pandemic, many Americans have been without work and without income. As of the last week of August, the unemployment rate at is still at 10.5%, according to data from S&P Global.
"In the very beginning, we did create a waiver and it was simply a request that said that your intention was to continue to pay your loan," she said. "It included two things: that, No. 1, you still had a job and your employment was as disclosed, and that your intention was to not forebear."forbearance or payment deferrals
One of the reasons that these documents were created, Rueth posits, is that forbearance became widespread as the pandemic threatened job loss. "The way the CARES Act was written, you don't have to provide proof that you have a need," she said. "Some people went into forbearance because they had to, and some people went into it as a 'just in case' measure. I think that was probably more the group that we were speaking to with the disclosure.
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