Without assuming the specifics as you do, it’s possible and entirely believable that any buffer was wiped out by the husband’s business. Access to credit could

Without assuming the specifics as you do, it’s possible and entirely believable that any buffer was wiped out by the husband’s business. Access to credit could also be affected. As long as we’re throwing anecdotes, access to forbearance and deferment is shaky at best. I’ve personally had inconsistent success across various income levels.