Charles reflects the Moratorium stage of identity development, in Marcia's words.
Diffusion, foreclosure, moratorium, and achievement are the four identity stages identified by Marcia.
No ill effects on credit score The fact that a loan moratorium has no negative effects on your credit score is one of its most significant benefits. Simply said, during the moratorium period, missing regular installment payments on a loan has no detrimental effect on the borrower's credit score.
A moratorium period's length might range from weeks to months, whereas a grace period's length is typically 15 days, in addition to the obvious distinctions mentioned above.
To learn more about Moratorium here:
https://brainly.com/question/27014633
#SPJ4