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How To Prepare Your Customers for Student Loan Payments Resuming
Updated
It was recently announced that federal student loan payments will resume on October 1st, 2023. For the first time in over three years, 43 million Americans will have to start making payments. The average borrower will pay up to $300 per month which will have significant implications for their budget. It’s going to be more important than ever for student loan borrowers to be aware of their full financial picture.
What your customers need to know
Over the past three years, many borrowers’ loans have been migrated to new servicers. This causes the borrower to be unenrolled from auto-debit (a way for borrowers to save 0.25% on their interest rate), and their loans to be disconnected from various financial apps or services.
Here’s a checklist of the specific steps borrowers need to take in order to get back on track with their student loans:
With Spinwheel’s API, borrowers can complete this entire checklist directly in your existing app or interface.
We also have a regularly updated list of Frequently Asked Questions about student loans that you can share with borrowers.
Add Student Loan Management to Your Product
Spinwheel makes it easy to add student loan management capabilities directly to your existing app or service. With our developer portal, you can integrate and start testing within a few hours. We also have drop-in modules that make it easy to create end user experiences and a team of partner success managers who are eager to ensure your program is as successful as possible.
Here’s an example of how Qapital, one of our partners, has used our drop-in modules to power their Debt Wrangler experience in their app.
For Benefits Providers
Two recent legislations, the CARES Act and Secure 2.0, have created new ways for employers to financially support their employees with federal student loans. Check out this blog post for all the details and how Spinwheel can support benefits providers in bringing these benefits to their customers.
Staying Up To Date
These are unprecedented times and the legislation regarding student loans is rapidly changing. We highly recommend individuals sign up for emails specifically for Federal Loan Borrowers here and check studentaid.gov for the most up-to-date information.. Borrowers may also be eligible for lower monthly payments with the new SAVE repayment plan.
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The Latest from Our Blog.
Sign up for our newsletter to stay up to date on news, developer updates, and product launches.
Spinwheel Strengthens Real-Time Consumer Credit Data Access with Multi-Bureau Integrations
Company Updates
Mar 12, 2026
The Surprising Link Between P2P Payments and Household Debt
Industry Insights
Mar 11, 2026
Why Spinwheel Chose to Become a Consumer Reporting Agency
Company Updates
Mar 9, 2026
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Industry Insights
Feb 26, 2026
Spinwheel Selected for Mastercard Start Path Open Finance Program
Company Updates
Feb 23, 2026
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Feb 19, 2026
NASA Federal Credit Union Has More Than $5B in Assets and Processes More Than 2,000 Bank Transfers Each Year
Customer Stories
Jan 16, 2026
Introducing Spinwheel Network: Our Single, Credentialed Token and Proprietary Network for Fintech Innovators
Company Updates
Nov 19, 2025
Builders in Fintech Podcast Featuring Tomás Campos
Industry Insights
Nov 12, 2025
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In the News
Oct 29, 2025
Spinwheel Welcomes Rich Taylor, New VP of Marketing
Company Updates
Oct 4, 2025
Credit Scores Are Falling Fast — What It Means for Our Clients and the Future of Debt Management
Industry Insights
Sep 25, 2025
Credit Card Brand Assets API: Turn Card Data into Revenue Intelligence
Product & Engineering
Sep 6, 2025
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In the News
Sep 4, 2025
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Jan 22, 2023
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Sep 9, 2022
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Industry Insights
Apr 22, 2022
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In the News
Feb 23, 2022
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In the News
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Industry Insights
Feb 1, 2022
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In the News
Jan 11, 2022
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Guides
Dec 31, 2021
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Industry Insights
Dec 24, 2021
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Industry Insights
Dec 23, 2021
Student Loans and the CARES Act Extension
Industry Insights
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Nov 18, 2021
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Industry Insights
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Oct 26, 2021
Biden’s Student Loan Pause - What’s Next?
Industry Insights
Oct 20, 2021
Student Loan Debt – A Spinwheel Overview
Company Updates
Oct 16, 2021
Tackling Student Loan Debt and Student Loan Repayment
Industry Insights
Oct 16, 2021
Announcing New Funding for Spinwheel
Company Updates
May 6, 2021
Ready to Build Better?
See how Spinwheel integrates into your company’s consumer experiences.
Ready to Build Better?
See how Spinwheel integrates into your company’s consumer experiences.
Ready to Build Better?
See how Spinwheel integrates into your company’s consumer experiences.
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