The “on-ramp” repayment plan—a buffer given to student loan borrowers as post-pandemic payment pauses resumed last fall— will end on Monday, Sept. 30; and once again, borrowers will be subject to consequences for late or non-payment. The move comes as the Biden Administration’s broader student relief efforts remain ensnared in legal challenges. [time-brightcove not-tgx=”true”] The 12-month safety net protected student loan borrowers from being reported to credit bureaus, being placed in delinquency or default, or being referred to debt collection agencies if they missed or had a late payment—though interest still accrued on their loans.