Student loan borrowers received relief from payments during the pandemic, offering some financial relief. Starting October, millions of borrowers will have to pay up after a three year hiatus. According to the Federal Education data, the average student loan borrower owes over $37,000 costing up to $300 a month. CBS 8 spoke to Vista Financial Advisor Armen Kurdian, who explains what borrowers can expect. “If your servicer hasn't changed, then you can just go back to your servicer and just start up again, its entirely possible that your payments may just start getting pulled back out of your bank account again,” Kurdian said. As many people begin making payments, there are some things to keep in mind. “The most important thing is that if you don't remember the type of loan that you have, gather your statements, gather your paperwork, go back into your emails, look at your mail , your loan servicer might've changed,” Kurdian said. There is a program available that can help borrowers save money, the government is offering its ‘save plan’ which can lower those monthly payments. Borrowers monthly income and the size of their family goes into consideration in how much their payments will be. “The option to get your payments reduced its really going to affect those who are of low income and are just barely making ends meet and there is… here in California especially in San Diego county there are a lot of those kinds of folks,” Student loan payments will hurt the pockets of many borrowers, Kurdian says it's crucial to make smart financial decisions and plan ahead. “Plan your budget, if you know you have to make these payments over the next six to 12 months, understand what you have in terms of discretionary meaning things like things that are not rent, that are not food, that are not utilities,” Kurdian said. For more information visit studentaid.gov