How To Write A Hardship Letter . First, the letter has to explain in detail how the individual reached financial hardship. When you’re writing a hardship letter for loan modification, it is important for you to keep in mind that lenders know the reason you’ve fallen behind with your mortgage payments. 😍 Financial hardship letter for school. Sample hardship letter for from covedisa.com.ar Avoid writing a touching/sentimental letter. Hardship letter to creditor letter writing tips. If you are searching for the answer of question “how to write a hardship letter” we shall provide you all necessary information regarding it.