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May 31, 2025  |  
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Brady Knox, Breaking News Reporter


NextImg:Student loan restart: Payments to begin again in six days as federal pause ends

Borrowers with outstanding student loans will have to resume their payments in six days when the federal pause from the COVID-19 pandemic is halted.

The total amount owed by former students and the payments' due date will be issued 21 days before the payment is due, according to the Department of Education.

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Student loan payments were paused in March 2020 following heavy restrictions implemented around the country in an attempt to stop the spread of COVID-19. The pause was extended several times by the Biden administration, but the administration has allowed the pause to expire following the declaration that the pandemic is over earlier this year. Interest on student loans resumed on Sept. 1, 2023.

Borrowers unable to resume their loan payments in October have been issued a "temporary on-ramp," which will be in place until Sept. 30, 2024. Those borrowers will be excluded from being reported as delinquent on payments. Direct loans, Federal Family Education Loan Program loans held by the Education Department, Federal Perkins Loans held by the Education Department, defaulted Federal Family Education Loan Program loans not held by the Education Department, and defaulted Health Education Assistance loans all apply for this "on-ramp."

Despite this, borrowers aren't quite off the hook. The payments will still be due, and interest will continue to add up.

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"Payments are still due, and interest will continue to accrue. We will not report you as delinquent during the on-ramp, but we do not control how credit scoring companies factor in missed or delayed payments," the Department of Education said.

Recent graduates will not have to begin payments until their grace period ends — typically six to nine months after graduating.