In a forbearance arrangement, what is a lender most unlikely to agree to?

In a forbearance arrangement, the lender's primary goal is to provide temporary relief to the borrower while still maintaining the integrity of the loan. Therefore, it is most unlikely that a lender would agree to the forgiveness of the debt. Forbearance typically focuses on restructuring the existing payment terms rather than eliminating the obligation altogether.

While lenders may be open to options such as lowering interest rates, establishing payment plans, or suspending payments for a limited time, these strategies are aimed at assisting the borrower in catching up on missed payments and fulfilling their loan commitments. Forgiveness would mean the lender is writing off the debt entirely, which is not a common practice in forbearance agreements, as lenders aim to recover the full amount owed over time.