Because of COVID-19-related legislation, if you have student loans, you most likely received a “payment vacation” during the last few years. However, like millions of other borrowers, you might have just received a call telling you to start making payments again. What impact will this have on your overall financial situation?
The impact on your monthly cash flow is, of course, the first thing that comes to mind. However, the size of the required payments and your income will determine how much pressure you experience. Should these payments truly pose a hardship, you might need to make the necessary modifications to your spending patterns and budget. You might be able to lessen the burden or even shorten the repayment period by taking other actions, though.
Undoubtedly, managing student loan debt can be difficult. But you might be able to assist yourself in moving closer to paying off these loans if you are patient, diligent, and aware of all of your options for repayment.
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