You have until the end of summer before payments begin resuming on your student loans — that is, if the moratorium doesn't get extended again. If you haven't been thinking about your loans for the past two years (there's been a lot going on, we don't blame you), start with the small stuff.  Pentis says you should reach out to your federal loan servicer to make sure all your contact information is correct. Over 16 million borrowers have or will have a new loan servicer in the coming months, so make sure your information transfers correctly. You should review the details of your account, including your loan balance and the interest rate on your loan.  Neeta Vallab is the founder of MeritMore, a search tool that allows students to estimate the amount of merit aid they could receive from particular schools based on their GPA and test scores. She says using the time to pay down your student loan debt as aggressively as possible can help you fulfill repayment obligations more quickly.  "Time is always against you when you have loans that accrue interest," Vallab says. "If you are lucky enough to be in a phase where interest is essentially stopped, it's a great time to hustle. If you need money to pay for rent, food, medical bills etc, you have a bit of room to take care of those things."