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Disclosure: Student Loan Hero is a free website to help student loan borrowers.

If a borrower loses their job through no fault of their own, they may be eligible to receive unemployment benefits with some lenders.

Fixed-rate loans often have higher rates than the introductory rates on variable loans.

However, borrowers have peace of mind knowing their monthly payments will always be the same amount.

If approved for this benefit, the lender will put the borrower's loans into forbearance, suspending their monthly loan payments.

Unpaid interest will continue to accrue and will be capitalized (added) onto the borrower's principal balance.