how do i get out of forbearance 
once your forbearance period ends you owe the amount of money that you missed there are different options that you can choose from reinstatement means that you will owe the entire amount all at once repayment allows you to bring your mortgage up to date over time usually 12 months this is a repayment plan that you have agreed to with your mortgage servicer the bottom lineforbearance is a temporary suspension of loan payments that normally lasts for a set period typically in reference to student loans or mortgages it does not mean that you stop paying your loan entirely but rather it delays your payments it is important to know that being granted a reprieve from paying a mortgage will not erase all of your debt you may still need to pay the amount that was past due at the time of the grant of the reprieve and any interest that may have accrued during the suspension depending on the issuer in addition at the end of the grace period you will again have to pay the full amount due on your mortgage when you started the suspension if you cannot pay your loan after this temporary suspension it will likely only worsen your situation in the future it may be beneficial to contact your lender to discuss your options 