By Eliza Haverstock | NerdWallet If you’ve been skipping your federal student loan bills, or you have defaulted loans, your time is running out to get back on track without harsh consequences. Two key pandemic-era relief programs are set to expire on Sept. 30: the student loan on-ramp and the Fresh Start program. Millions of borrowers are benefitting from the on-ramp or Fresh Start — and some may not know it.