Millions of student loan borrowers are now just a few days away from facing some of the most significant changes to the repayment system in years.

T he “on-ramp” repayment plan—a buffer given to student loan borrowers as post-pandemic payment pauses resumed last fall— will end on Monday, Sept. 30; and once again, borrowers will be subject to consequences for late or non-payment. The move comes as the Biden Administration’s broader student relief efforts remain ensnared in legal challenges.

Your student loan payment options vary widely depending on whether you have federal or private loans. Find out what's available and how to decide.

In other student loan news, a judge extended the restraining order on Biden’s newest student debt forgiveness plan, further diminishing hopes for sweeping forgiveness. However, the Fed brought hope for borrowers when it cut the federal funds rate by 0.

Renee Fleck is a student loans editor with over five years of experience in digital content editing. Her work has been featured in Fast Company, Morning Brew, and Sidebar.io, among other online publications.