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The federal student loan suspension that aimed to bring relief to borrowers during the pandemic will end. Jean Chatzky shares what to know and do in order to prepare.

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Transcript

0:00The federal student loan suspension, which aimed to bring COVID relief to borrowers, will end.

0:06So, what do you need to know and do in order to get ready to make these payments again?

0:12First, mark the date in your calendar.

0:15Next, look for notifications from your loan service. You should hear from your service 30 days prior to your first payment to let you know when exactly your payments will resume.

0:28But, as we get closer, if you still haven't heard from your service, then it's best to contact them directly to get your new schedule.

0:37And if you move during the pandemic, like so many people did, take a moment to update your address and your contact information.

0:46It's also important to ask yourself, will I be able to keep up with my payments when they start again?

0:53If you can, it's a great idea to set aside some money now to cut down on the stress when payments resume.

0:59If you think you may have trouble, then applying for income-driven repayment may help.

1:05IDR caps your monthly payment based on your income and your family size.

1:11If you were already in IDR and your income has dropped or your family size has changed because of a new child or marriage status, you can ask that your payment be recalculated.

1:22You can get a sense of what your IDR payment would be at studentloans.gov.

1:28For help, check out AARP's easy-to-use savvy student loan repayment tool.

Text on Screen

0:00FEDERAL STUDE

0:00The federal student loan suspension,

0:01FEDERAL STUDENT LOAN SUSPENSION

0:02which aimed to bring COVID relief to borrowers,

0:03RELIEF

0:05will end.

0:07WHAT DO YOU NEED TO KNOW

0:08in order to get ready to make these payments again?

0:12MARK THE DATE IN YOUR CALENDAR

0:14MAY 1

0:16LOOK FOR NOTIFICATIONS FROM LOAN SERVICER

0:2130 DAYS PRIOR TO FIRST PAYMENT

0:25to let you know when exactly your payments will resume.

0:28But, as we get closer,

0:30if you still haven't heard from your servicer, it's best to contact them directly to get your new schedule.

0:37And if you moved during the pandemic,

0:41TAKE A MOMENT TO UPDATE YOUR ADDRESS AND CONTACT INFO

0:46WILL I BE ABLE TO KEEP UP WITH MY PAYMENTS?

0:53If you can, it's a great idea to set aside money now to cut down on the stress when payments resume.

1:00If you think you may have trouble, then applying for INCOME-DRIVEN REPAYMENT may help.

1:05IDR

1:05IDR caps your monthly payment based on your income and family size.

1:10If you were already in IDR and your income has dropped or your family size has changed because of a new child or marriage status, you can ask that your payment be recalculated.

1:17You can get a sense of what your IDR payment would be at studentloans.gov.

1:22STUDENTLOANS.GOV

1:23FOR MORE INFORMATION, GO TO AARP.ORG/STUDENTLOANS

1:26CHECK OUT SAVI STUDENT LOAN REPAYMENT TOOL

1:31AARP

Scenes (7)

0:00animated intro text

The scene opens on a solid, deep maroon background. At the top right corner, a stylized red 'A' logo, possibly for AARP, is visible. Large, bold, yellow text appears centrally on screen, initially showing 'FEDERAL STUDE' and then expanding to 'FEDERAL STUDENT LOAN SUSPENSION'. Below this, smaller white text animates into view: 'The federal student loan suspension,'. An illustration of a black graduation cap with a yellow tassel and a rolled-up white diploma with a red seal appears in the lower center. A bright green circular shape with undulating edges, resembling a virus (COVID), emerges, with the word 'RELIEF' in white text on a black band across its center. The white text continues to animate, 'which aimed to bring COVID relief to borrowers, will end.' The overall mood is informative and slightly urgent, using strong color contrast and simple animations.

0:06animated question screen

The scene maintains the deep maroon background with the red 'A' logo at the top right. Bold white text appears at the top center: 'WHAT DO YOU'. Below it, bold yellow text highlights: 'NEED TO KNOW'. A stylized illustration of a female student with medium brown hair, wearing a black graduation cap and a white shirt with a black vest, is positioned in the lower-center. A white speech bubble containing a purple question mark floats above her head, symbolizing inquiry. Below the student illustration, smaller white text animates into view: 'in order to get ready to make these payments again?'. As this text appears, a stack of golden coins with a '1' engraved on the top coin materializes next to the student, representing payments or money. The simple, clean graphics and bold text convey a clear, direct question to the viewer.

0:11host explaining payments with overlays

A medium shot frames a female host seated, looking directly at the camera with a confident and reassuring expression. She is in a modern kitchen environment, with light-colored cabinets, stainless steel appliances (an oven and microwave), and a wooden accent piece visible in the background. The counter in front of her is dark, possibly granite or quartz, with a white coffee mug to her right. The lighting is bright and natural, coming from the front, highlighting her features. The scene features various animated graphic overlays that appear as she speaks: a red calendar with 'APRIL 27' flipping to 'MAY 1' circled in red, a smartphone showing a notification bell, a retro-style blue telephone, and a light blue moving truck. Text overlays accompany these graphics, such as 'MARK THE DATE IN YOUR CALENDAR', 'LOOK FOR NOTIFICATIONS FROM LOAN SERVICER', '30 DAYS PRIOR TO FIRST PAYMENT', and 'TAKE A MOMENT TO UPDATE YOUR ADDRESS AND CONTACT INFO' with a pink map pin and a hand writing with a pen. The host's gestures and eye contact reinforce the informative tone.

0:45animated question payments

The scene reverts to a solid, deep maroon background with the red 'A' logo in the top right. A prominent question in white, bold text appears centrally: 'WILL I BE ABLE TO KEEP UP WITH MY PAYMENTS?'. A red calendar icon, initially showing 'APRIL 27', dramatically peels back its page to reveal 'MAY 1', circled in red, emphasizing the start date. As the question finishes appearing, a small stack of golden coins with a '1' on the top coin and larger stacks of coins appear next to the calendar, visually representing financial payments. The animation is concise and impactful, highlighting the viewer's potential concern about managing payments.

0:52host explaining IDR with overlays

The scene returns to the medium shot of the female host in the modern kitchen, maintaining her direct gaze and confident demeanor. Her hair, clothing, and the background elements remain consistent with the previous 'talking head' segment. As she speaks, several animated graphics and text overlays appear to illustrate her points. Initially, a pink piggy bank graphic is shown to her right, relating to saving money. Later, the text 'APPLY FOR' appears in dark red, followed by 'INCOME-DRIVEN REPAYMENT' in bold yellow. Above this, the acronym 'IDR' appears in large white text. A green weighing scale graphic with icons of a family (two adults, two children) on one side and a hand placing a coin on the other visualizes income and family size. This graphic is then accompanied by a line graph showing a downward trend with a coin, indicating income drop. Finally, a calculator graphic with a money symbol appears, and a search bar graphic with 'STUDENTLOANS.GOV' typed into it, ending with a magnifying glass search icon. These overlays dynamically reinforce the financial advice being given.

1:27animated outro text and link

The scene transitions back to the solid deep maroon background, with the red 'A' logo still visible in the top right. White, bold text appears across the screen: 'FOR MORE INFORMATION, GO TO'. Below this, the website 'AARP.ORG/STUDENTLOANS' is displayed prominently in yellow, followed by 'CHECK OUT' in white. Lastly, 'SAVI STUDENT LOAN REPAYMENT TOOL' appears in yellow, providing a specific call to action. A black graduation cap with a red interior and a white tassel lies in the lower center, and then a red mechanical arm animation appears from the left, briefly adjusting the tassel. The overall impression is a clear call to action with relevant resources.

1:34aarp logo white background

The scene displays the AARP logo prominently against a clean white background. The logo consists of the letters 'AARP' in bold, sans-serif red font. A stylized red wavy line extends from the top of the first 'A' and swoops underneath the 'AARP' text, subtly suggesting movement or connection. A small, registered trademark symbol '®' is visible to the upper right of the logo. The presentation is simple and professional, clearly identifying the brand.

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