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Ryan Lane Of Nerdwallet December 16, 2020 - 4:49 AM Talk of student loan forgiveness has borrowers looking forward to 2021. But many already benefited from some unprecedented events in 2020: — An administrative forbearance has paused most federal loan payments interest-free since March. — The forbearance has also halted collections on defaulted loans. — Interest rates fell to historic lows. It’s unclear how long these breaks will last. If you’re in good financial shape, here’s how to take advantage of them while you can. MAKE A LUMP-SUM PAYMENT The current student loan forbearance is scheduled to end Jan. 31. All borrowers should have a plan for repayment by that point.

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