user: what forbearance is there for a student loan?[NEWLINE]agent: There is general forbearance and mandatory forbearance.[NEWLINE][BOUNDARY][NEWLINE]user: what do I need to be going though to get help?[NEWLINE]agent: Are you going through financial difficulties?[NEWLINE]user: no[NEWLINE]agent: Have medical expenses affected your ability to make your scheduled monthly loan payments?[NEWLINE]user: they have[NEWLINE]agent: You are eligible to request a general forbearance due to your situation[NEWLINE][BOUNDARY][NEWLINE]user: how does interest work during forbearance for a federal family education loan if I'm not paying off the interest?[NEWLINE]agent: Unpaid interest is capitalized and the total amount you repay over the life of your loan may be higher[NEWLINE][BOUNDARY][NEWLINE]user: what is discretionary forbearance?