Acceptable Types of Hardships
1.    Loss of Employment or Reduction in Income
2.    Business failure
3.    Damage to property
4.    Death of Spouse or Wage Earner
5.    Death of Non-Wage Earner
6.    Severe Illness
7.    Inheritance
8.    Relocation
9.    Divorce
10.Military Service
11.Payment Increase or Mortgage Adjustment
12.Insurance or Tax Increase
13.Legal Separation
14.Too Much Debt
16.Combination of any of the Above