Many times consumers may encounter financial hardship due to a job loss, illness, or death in the family. The lender may offer deferred payments, which are then applied to the end of the loan. It is important for the consumer to receive written confirmation showing this change in terms to the original loan agreement. Since the terms of the loan have, in effect, been extended, the consumer needs to see how the lender has calculated any additional money to be paid at the end to satisfy the loan.