In roughly two months, millions of consumers who borrowed to take out federal student loans will need to dig a little deeper into their pockets to cover another bill for $150 to $300 a month or maybe even more, depending on what they owe.

Where will they get the money?

Many times people get into a financial mess because they don’t plan for the unexpected, but it’s likely that many aren’t preparing for what’s set to happen next year, either.

Right now, many consumers should be calculating how they’re going to hand over more money in 2023 after the payment pause on most federal student loans ends in December. Payments — which have not been required for nearly three years — are scheduled to resume in January.