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Can I skip a month of payments if I need to?

Sure. What you would need to do is go to the Additional Payments (debt snowflake) page and create a snowflake with the negative amount for the month you need to skip. For example, if your current snowball amount is $250 but you know you won't be able to pay anything extra next month; create a snowflake for -250 for the month and your payment plan will be adjusted. Repeat as needed for each month you need to skip.