Yes, customers can typically apply for a loan modification if they are experiencing financial hardship. A loan modification is a process that allows borrowers to make changes to the terms of their existing loan agreement in order to make it more affordable. This can include lowering the interest rate, extending the loan term, or reducing the monthly payments. However, the specific eligibility requirements and application process may vary depending on the lender and the type of loan. Customers should reach out to their loan servicer or lender to inquire about the options available to them and to understand the necessary steps to apply for a loan modification.