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Many students who graduated in the last three and a half years have never had the experience of making a federal student loan payment. Spencer Platt/Getty Images hide caption

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Spencer Platt/Getty Images

Many students who graduated in the last three and a half years have never had the experience of making a federal student loan payment.

Spencer Platt/Getty Images

After three and a half years, the pause on federal student loan payments is coming to an end. Getting more than 40 million borrowers back into repayment will be an enormous challenge, especially because many students who graduated when the pause was already in place have never made a payment.

We put borrowers' questions to two experts: NPR Education correspondent Cory Turner, and Carolina Rodriguez, director of the Education Debt Consumer Assistance Program, a non-profit funded by New York State to help residents navigate repayment of their student loans.

Read Cory's list of 12 things every student loan borrower should know.

And if you're having an issue with your student loan servicer, Cory wants to know. Email him at This email address is being protected from spambots. You need JavaScript enabled to view it..

Email us atThis email address is being protected from spambots. You need JavaScript enabled to view it..

This episode was produced by Connor Donevan and Emma Klein. It was edited by Jeanette Woods and Adam Raney. Our executive producer is Sami Yenigun.

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