Hardship Accommodation Plan (HAP) February 16, 2023 14:14 For more information on the Hardship Accommodation Plan (HAP), go to the SBA website. Related articles Payment Options Are SBA Loans forgivable? Does interest still accrue while a loan is in deferment? How can I set up automatic (recurring) payments? How can I remove a co-obligor (borrower or guarantor) from my loan?