{"id":24235,"date":"2026-04-23T01:25:39","date_gmt":"2026-04-23T01:25:39","guid":{"rendered":"https:\/\/incredipros.com\/?p=24235"},"modified":"2026-04-23T01:25:40","modified_gmt":"2026-04-23T01:25:40","slug":"when-do-student-loan-payments-resume","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=24235","title":{"rendered":"When Do Student Loan Payments Resume?"},"content":{"rendered":"
\n

For over three years, federal student loan payments were on hold. But that\u2019s no longer the case.\n <\/p>\n

Federal student loan payments started back in October 2023\u2014and interest restarted on September 1, 2023.<\/strong>1<\/sup>\n <\/p>\n

Yep, like Twitter and the show Riverdale<\/em>, the student loan payment pause has come to an end. And the sooner you prepare for it, the better off you\u2019ll be. Here\u2019s what you need to know about student loan payments resuming\u2014and how to pay them back.\n <\/p>\n

When Do Student Loan Payments Resume?<\/strong><\/h2>\n

Federal student loan payments started back up in October.<\/strong> When exactly your payment is due depends on your specific loan servicer, but you can expect to get your bill at least 21 days before your due date.\n <\/p>\n

\n

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Federal student loans have been on pause since March 2020, and interest has been at 0% (both thanks to the CARES Act). And this student loan relief has been extended not one, not three, but eight<\/em> times\u2014first because of the ongoing pandemic and the struggling economy and then because President Joe Biden was waiting on his forgiveness plan to come through (which, spoiler alert: It didn\u2019t.).\n <\/p>\n

But now student loan servicers have hit Play on people\u2019s federal student loan accounts. And it\u2019s for real this time. No more extensions. So, if you\u2019ve been ignoring your student loans for the last three years, this is your wake-up call. It\u2019s go time, people!\n <\/p>\n<\/p><\/div>\n

\n

When Does Student Loan Interest Start Again?<\/strong><\/h2>\n

Even though student loan payments resumed in October, student loan interest started back up sooner in September. During the pause, interest was set to 0%\u2014which meant people\u2019s student loans didn\u2019t grow, even if they didn\u2019t pay anything toward their balance.\n <\/p>\n

But as of September 1, your interest kicks back up to whatever it was before the pause. That means you won\u2019t be able to just ignore your student loans anymore\u2014at least not without your balance growing faster than one of those magic capsules that turns into a dinosaur underwater.\n <\/p>\n

And since interest restarted at least a month sooner than payments (we can just see the loan servicers high-fiving at that), you need to start paying back your student loans right now<\/em>.\n <\/p>\n

How Much Will My Student Loan Payment Be?<\/strong><\/h2>\n

Your student loan payment depends on your total balance and the type of payment plan you\u2019re on. But half of borrowers are expected to have payments of at least $200, and 1 in 5 borrowers will have a monthly payment of $500 or more.2<\/sup>\n <\/p>\n

The best way to find out your exact payment is to contact your loan servicer. They should be able to tell you your current student loan balance, your interest rate and your monthly payment amount. Not sure who your student loan servicer is? Log in to your student loan account to find out.\n <\/p>\n

Pro tip:<\/strong> Use our student loan calculator to see when you\u2019ll pay off your student loans with your current payment plan\u2014and how you can speed up your timeline.\n <\/p>\n

What if I Can\u2019t Make My Student Loan Payment?<\/strong><\/h2>\n

We get it. A lot\u2019s changed since payments were put on pause.\n <\/p>\n

Most people have gotten used to not having a $200 student loan payment coming out of their bank account every month. Heck, some of you recent grads have never even had to make a single payment. Add on car payments, mortgages and other debts you maybe didn\u2019t have three years ago\u2014and now things are feeling pretty tight.\n <\/p>\n

So, what happens if you don’t pay your student loan? Normally, your account becomes delinquent the first day after you miss a payment. If your payment is delinquent for 90 days or more, it can go into default and get sent to collections.\n <\/p>\n

But Biden announced a 12-month on-ramp transition period for those who can\u2019t make their student loan payment.3<\/sup> This would technically keep borrowers who miss payments within the next year from defaulting and their loans from going to collections. But interest would still build up in most cases\u2014so you don\u2019t want to miss any payments on your loans if you can help it!\n <\/p>\n

Let\u2019s talk about how to prepare for student loan payments starting back up, especially if you\u2019re worried about not being able to make your payment.\n <\/p>\n

What You Should Do Before<\/em> Student Loan Payments Resume<\/strong><\/h2>\n

Don\u2019t wait until October to get on top of your student loans. The sooner you make a plan, the less anxious you\u2019ll feel about your student loan payments.\n <\/p>\n

Get Organized<\/strong><\/h3>\n

How many student loans do you have? What\u2019s your balance? Who\u2019s your loan servicer?\n <\/p>\n

If your student loans have been out of sight, out of mind for the last three years, you may have no clue how to answer those questions. But now\u2019s the time to find out and get organized\u2014so you\u2019re not completely caught off guard come September.\n <\/p>\n

Don\u2019t be surprised if your loan servicer has changed since you last made a student loan payment. In fact, around 16 million people are expected to have new loan servicers.4<\/sup> If your loans were transferred to another servicer, you should\u2019ve gotten a letter or email letting you know about the switch. Otherwise, log into your student loan account to see if it\u2019s changed. If so, you may need to create an online account with your new loan servicer.\n <\/p>\n

Also, make sure your payment history and loan balance are correct so you\u2019re not stuck paying more than you owe.\n <\/p>\n

Update Your Info<\/strong><\/h3>\n

Odds are, some of your personal information has changed since March 2020. Did you get married and change your last name? Get a new phone number or email? Move to a new place?\n <\/p>\n

Double-check that your current loan servicer has all your correct info on hand before that first payment is due. The last thing you want is to default on your student loans because they sent your bill to the wrong address. Just log in to your student loan account\u00a0to view and update your info.\n <\/p>\n

Get on a Budget<\/strong><\/h3>\n

Probably the best thing you can do to get ready for your student loan payment is to\u00a0start budgeting\u00a0if you\u2019re not already. A budget will tell you if you\u2019ve got enough to cover your monthly payment or not\u2014and help you find ways to adjust your spending.\n <\/p>\n

First, download the free EveryDollar budgeting app. Then plug in your monthly expenses and debt payments. If things are tight, see what you can cut\u00a0from your budget to make more room for your student loan payment.\n <\/p>\n

Right now, you may not believe you can pay off your student loans. But seeing the actual numbers in your budget will show you it\u2019s possible. And having a game plan for your money will give you so much confidence and peace of mind!\n <\/p>\n

Increase Your Income<\/strong><\/h3>\n

If you\u2019ve made a budget and cut back where you can but there\u2019s still not enough to cover your student loan payment, it\u2019s time to give your income a boost.\n <\/p>\n

What can you do now<\/em> to get more money coming in the door? Choose a side hustle to earn some extra cash\u2014like driving for a rideshare company, delivering food, pet sitting or mowing lawns. Whatever you do, don\u2019t just sit back and wait for payments to start. In the words of Rihanna, you\u2019d better \u201cwork, work, work, work, work, work!\u201d\n <\/p>\n

\n

Are You Ready for Student Loan Payments to Start Back Up?<\/h4>\n

With EveryDollar, you can be sure you\u2019ve got enough to cover your student loan payment\u2014no sweat!\n <\/p>\n

Check Out EveryDollar\n <\/p><\/div>\n<\/p><\/div>\n

Read the full article here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

For over three years, federal student loan payments were on hold. But that\u2019s no longer the case. Federal student loan payments started back in October 2023\u2014and interest restarted on September 1, 2023.1 Yep, like Twitter and the show Riverdale, the student loan payment pause has come to an end. And the sooner you prepare for<\/p>\n","protected":false},"author":1,"featured_media":24236,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-24235","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"\nWhen Do Student Loan Payments Resume? | IncrediPros<\/title>\n<meta name=\"description\" content=\"For over three years, federal student loan payments were on hold. But that\u2019s no longer the case. 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