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If you have federal student loans, two important benefits are ending this month: the student loan repayment “on-ramp” and the Fresh Start program. From March 2020 through October 2023, federal student loan payments were paused in response to the pandemic. Over the past year, borrowers received additional benefits meant to ease the transition back into active student loan repayment. As of Sept. 30, these benefits are expiring. Starting in October, missing payments could lead to default, collections and damage to your credit report. If your loans are in bad standing due to missed payments, you have until the end of the day…

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