As the deadline of September 30 approaches, millions of student loan borrowers are being warned about the end of a vital federal protection that has kept missed payments off their credit reports and provided vital debt relief. Recent surveys indicate that financial constraints are causing many borrowers to miss payments, a trend that could worsen with the impending policy change. Experts weigh in on the implications of this end to protections, particularly how it may affect credit scores and the broader landscape of student loan repayment. Opinions and reports highlight the flaws in existing student loan debt plans and the urgent need for solutions to the ongoing crisis. With just days left, borrowers are encouraged to understand their responsibilities and options as the federal relief program draws to a close.