Русско-англо-русский юридический словарь

mitigating circumstance Accompanying or accessory condition, event, or fact that (though not constituting a justification or excuse of an offense) may be considered by the courts as reducing the degree of culpability or liability of the accused. Such circumstances may include family or personal situations, and may help in attracting a sentence less severe than a typical sentence for similar offenses. (BusinessDictionary.com)

§ 120.530 Deferment of payment.

SBA may agree to defer payments on a business loan for a stated period of time, and use such other methods as it considers necessary and appropriate to help in the successful operation of the Borrower. (13 CFR 120.530, law.cornell.edu)

She joined the credit and savings cooperative after her husband died to help her "save some money and use small loans to support [her] family". (The Guardian)

Financial literacy is the ability to understand how money works in the world: how someone manages to earn or make it, how that person manages it, how he/she invests it (turn it into more) and how that person donates it to help others. (Wikipedia)