Hello, after being impacted by covid and job loss, I was put into a forbearance plan that ended with my financial situation still being the same. I tried numerous times to see if the bank would help and kept on being denied and asking for all payments owed. I received a letter over the weekend congratulating me on an offer for a deferral of past due balance which would bring my loan up to date. I am asking if this is a good offer or should I still wait for a better one like a trial modification. I hope someone will be able to give me some advice. Thank you in advance. They didn't lower the payments which was what I was hoping for.