It doesn’t matter how hardworking and frugal you are, life is going to throw you a sudden curveball. An instance like that can change your financial security immediately. Be it some illness, the need for a vehicle, a house renovation or something else, it is not uncommon for such needs to arise.
Oddly enough, they seem to happen exactly when your bank balance is slim. That can leave you scrambling to figure out how to pay for it. If you don’t have an emergency fund set up, you may not have many other options than to see help elsewhere.
And for decades now, the solution to such problems would be a loan.
That might be why 
That may seem like a bold statement. I can attest though, from personal experience, having money set aside strictly for emergencies is the #1 strategy that has propelled my wife and I forward in 
What do you do? Luckily there are some options if you fall behind on your student loan repayment. It’s important though that you take action immediately instead of waiting until your balances are seriously delinquent.