As we approach the end of September 2024, student loan borrowers are facing several critical deadlines regarding the repayment of their loans. The Education Department has extended the deadline for defaulted student loan borrowers to regain current status, but many grace periods and benefits introduced during the pandemic era are set to expire. Key programs like the 'Fresh Start Program' will see their application deadline on Monday, providing relief for those in default. Borrowers are urged to act swiftly as two major student loan forgiveness initiatives are also ending soon, alongside the expiration of the on-ramp period, which means missed payments will impact credit scores once again. With over 130,000 individuals in Missouri alone in default, and many more across the country, awareness and action are crucial to navigate this critical period.