There are forms that help make sure that you include the right information and the right phrasing for every occasion. The new hardship letters can be used for any situation where you might need financial forgiveness or leniency for mortgages, medical bills, tuition or debt. Each template addresses a different reason for hardship including illness, incarceration, gambling, pregnancy and military deployment.
You can learn to design printables with free options like Canva, or Paint. These programs are fine for basic designs, but can be very limiting. If you would like completely custom designs, programs like Adobe Photoshop and Illustrator are excellent.