BATON ROUGE, La. (BRPROUD) — It’s crunch time for borrowers who only have a few weeks until student loan payments begin again on October 1.

After more than three years without having to make payments, many are scrambling to come up with hundreds of extra dollars each month to be sure they don’t default on their loans, but the student loan bills that are arriving in the mail are reminding borrowers of how quickly payments are due.

Debt expert Jack Wallace from Yrefy answered questions about what borrowers need to be doing now to prepare, and what they should do if they truly can’t afford a monthly payment.

Wallace said borrowers need to go to and make sure their information is updated then check their repayment plan. The website can help borrowers find a program that will help with making payments.

U.S. Department of Education announced more than four-million borrowers are enrolled in President Biden’s Saving on A Valuable Education (SAVE) plan. Payments will be based on a borrower’s current income and family size.

Several Republicans plan to challenge that plan.