Millions of student loan borrowers are struggling to keep up with their monthly bills now that payments are required again.

As an ongoing lawsuit threatens the existence of some income-driven repayment (IDR) plans and House Republicans aim to cut funding for education programs, borrowers face a chaotic and confusing landscape.

Many borrowers fell behind on their debt and saw credit scores tumble after the end of a grace period that was meant to help ease them back into repayment.