Over the past two years, federal student loan borrowers have enjoyed a payment moratorium, or a pause of their monthly loan obligation. With federal loan forgiveness still up in the air, most of these borrowers are set to see their required payments return as early as September 1.

Most college graduates will walk the stage with at least some form of educational debt. Generally, this is in the form of student loans, which are often used to help pay for tuition, books, housing, meal plans, and even certain materials (like a new laptop for class).

Considering that the average US student loan debt is $32,731, it’s no surprise that many Americans (nearly 45 million people) are struggling to manage their payments, on top of other monthly expenses. To make matters worse, many borrowers are juggling multiple student loans payments, which can be a daunting and stressful exercise.