Payments for student loans are starting again. Here’s what you need to know

Mayotte says the best thing borrowers can do right now is educate themselves about what student loan repayment options exist, understand those different options, how they work and prioritize paying the least amount over time. She warns that it’s easy to get caught up in the possibility of loan forgiveness, as it’s an attractive and popular topic. “For some people, pursuing a loan forgiveness program is the way to pay the least amount over time. But for most other borrowers, it’s going to be paying their loans off as aggressively as possible to reduce total interest costs,” she said.