The Daily Money: How to prepare to start repaying student loan debt

Happy Tuesday! It's Charisse Jones with your Daily Money headlines.

It'll be hard enough on borrowers when they have to start repaying their student loans in October. And it may be even more difficult since roughly half of the 43 million people who carry roughly $1.6 trillion in federal student loan debt took on additional financial burdens in the meantime, according to the Consumer Financial Protection Bureau.

Credit cards, car loans and mortgages make up much of the extra debt accrued during the roughly 3 1/2 years since the Trump administration first paused student loan payments to ease financial burdens brought on by the COVID-19 pandemic. And roughly 8% of student loan borrowers have had a tough time handling those additional expenses, the CFPB says.

But there are things you can do to limit sticker shock come fall, including applying for a repayment plan that bases your student loan payments on your income, and trimming current expenses so you can have the cash you need when your student loans come due.

Eviction moratoriums are about to end

In a handful of cities, eviction moratoriums implemented to make sure people stayed housed during the pandemic continued even as the health and economic crisis waned. But that's about to change, and some small landlords say the end can't come soon enough.

Oakland, California's moratorium will end July 15, while Alameda County, home to Oakland as well as Berkeley, ended its eviction pause in April. Tenants will typically have to start paying again in August, but they can't be kicked out for owing back rent if they had trouble making payments because of financial struggles brought on by the pandemic.

The Bay Area has some of the highest housing prices in the country, and tenants have fought for safeguards citing unaffordable rent hikes and at times, inadequate maintenance of their units. But many small property owners, particularly those who are people of color, say the eviction moratoriums sunk them into debt while tenants who were able to pay got to live in their homes for free.

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