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. If you also want to skip the minimum payment for whatever reason, just change the due date of the account to the month when you are planning on resuming payments.