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A three-year pause on student loan payments will end this summer regardless of how the Supreme Court rules on the White House plan to forgive billions of dollars in student loan debt. If Congress approves a debt ceiling deal negotiated by House Speaker Kevin McCarthy and President Joe Biden, payments will resume in late August. Even if the deal falls through, payments will resume by 60 days after the Supreme Court decision. Regardless of what justices decide, more than 40 million borrowers will have to start paying back their loans by the end of the summer at the latest.

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FILE - Texas Secretary of State John B. Scott is pictured, Feb. 10, 2022, in Austin, Texas. Texas Gov. Greg Abbott on Wednesday, May 31, 2023, appointed Scott to temporarily serve as Texas' attorney general after the House of Representatives voted to impeach Ken Paxton, a Republican, over allegations of misconduct and crimes. (AP Photo/Eric Gay, File)

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In this image taken from police body camera video provided by the Lowndes County, Ga., Sheriff's Office, a vehicle goes airborne after driving up the ramp of a flatbed tow truck on a Georgia highway, Wednesday, May 24, 2023, in Lowndes County, Ga. The Nissan Altima was launched 120 feet (37 meters) down the highway, according to a police report. The driver, a 21-year-old woman from Florida, was taken to South Georgia Medical Center with serious injuries. (Lowndes County Sheriff's Office via AP)

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FILE - An election worker removes tabulated ballots from the machine inside the Maricopa County Recorders Office, Thursday, Nov. 10, 2022, in Phoenix. (AP Photo/Matt York, File)

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Toriana Hill eats lunch inside a Red Cross shelter with her son Nassir Gladney, 3, Wednesday, May 31, 2023, in Davenport, Iowa. Hill and her son escaped from the sixth floor after their apartment building partially collapsed Sunday afternoon. (AP Photo/Erin Hooley)

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Toriana Hill eats lunch inside a Red Cross shelter with her son Nassir Gladney, 3, Wednesday, May 31, 2023, in Davenport, Iowa. Hill and her son escaped from the sixth floor after their apartment building partially collapsed Sunday afternoon. Five residents of the same building remained unaccounted for Wednesday, and authorities feared at least two of them might be stuck inside rubble that was too dangerous to search. (AP Photo/Erin Hooley)

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National Security Council spokesman John Kirby speaks during the daily briefing at the White House in Washington, Wednesday, May 31, 2023. (AP Photo/Susan Walsh)

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National Security Council spokesman John Kirby speaks during the daily briefing at the White House in Washington, Wednesday, May 31, 2023. (AP Photo/Susan Walsh)

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National Security Council spokesman John Kirby speaks during the daily briefing at the White House in Washington, Wednesday, May 31, 2023. (AP Photo/Susan Walsh)

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National Security Council spokesman John Kirby speaks during the daily briefing at the White House in Washington, Wednesday, May 31, 2023. (AP Photo/Susan Walsh)

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A statue of St. Anthony holding the infant Jesus stands in St. Aloysius Catholic Church, Friday, May 26, 2023, in Detroit. (AP Photo/Carlos Osorio)

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FILE - West Virginia Gov. Jim Justice delivers his annual State of the State address in the House Chambers at the West Virginia Capitol, Jan. 11, 2023, in Charleston, W.Va. The federal government filed a lawsuit on Tuesday, May 30, against coal mines owned by the family of Justice seeking payment of unpaid penalties for previous mining law violations. (AP Photo/Chris Jackson, File)

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An airplane prepares to land at March Air Reserve Base in Riverside, Calif. Jan. 29, 2020. Congress is looking into just how quickly airline passengers can evacuate a plane during an emergency. Some lawmakers aren't sure modern planes can be evacuated in 90 seconds, as federal rules require. Sen. Tammy Duckworth of Illinois introduced legislation Wednesday, May 31, 2023 to set standards for Federal Aviation Administration tests on how quickly passengers can escape a plane during an emergency. (AP Photo/Ringo H.W. Chiu)

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This house in Edgewood neighborhood is where police arrested three key organizers who have been aiding protesters against the city's proposed public safety training center on May 31, 2023, Atlanta, Georgia. The three are officers of the group that runs the Atlanta Solidarity Fund, which has bailed out people arrested during protests against the project, which opponents derisively call "Cop City." (AP Photo/Kate Brumback)

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Police block traffic in the block of a house in the Edgewood neighborhood where three key organizers who have been aiding protesters against the city's proposed public safety training center were arrested on Wednesday, May 31, 2023, Atlanta, Georgia The three are officers of the group that runs the Atlanta Solidarity Fund, which has bailed out people arrested during protests against the project, which opponents derisively call "Cop City." (AP Photo/Kate Brumback)

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This house in Atlanta's Edgewood neighborhood is where police arrested three key organizers who have been aiding protesters against the city's proposed public safety training center on May 31, 2023. The three are officers of the group that runs the Atlanta Solidarity Fund, which has bailed out people arrested during protests against the project, which opponents derisively call "Cop City." (AP Photo/Kate Brumback)

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President Joe Biden speaks during a meeting with leaders of his federal emergency preparedness and response team during the annual briefing on extreme weather preparedness, in the Roosevelt Room of the White House, Wednesday, May 31, 2023, in Washington. (AP Photo/Evan Vucci)

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President Joe Biden speaks during a meeting with leaders of his federal emergency preparedness and response team during the annual briefing on extreme weather preparedness, in the Roosevelt Room of the White House, Wednesday, May 31, 2023, in Washington. (AP Photo/Evan Vucci)

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President Joe Biden speaks during a meeting with leaders of his federal emergency preparedness and response team during the annual briefing on extreme weather preparedness, in the Roosevelt Room of the White House, Wednesday, May 31, 2023, in Washington. (AP Photo/Evan Vucci)

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President Joe Biden speaks during a meeting with leaders of his federal emergency preparedness and response team during the annual briefing on extreme weather preparedness, in the Roosevelt Room of the White House, Wednesday, May 31, 2023, in Washington. (AP Photo/Evan Vucci)

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File - Shown is a class room at Penn Wood High School in Lansdowne, Pa., Wednesday, May 3, 2023. Teachers are leaving their jobs at an accelerating rate in Pennsylvania, according to a new analysis by Penn State's Center for Education Evaluation and Policy Analysis that shows that teacher attrition in Pennsylvania doubled in the 2022-23 school year. (AP Photo/Matt Rourke, File)

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Administrator of the National Oceanic and Atmospheric Administration Rick Spinrad, left, and Interior Secretary Deb Haaland listen as President Joe Biden speaks during a meeting with leaders of his federal emergency preparedness and response team during the annual briefing on extreme weather preparedness, in the Roosevelt Room of the White House, Wednesday, May 31, 2023, in Washington. (AP Photo/Evan Vucci)

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Sharanya Kar, 10, from West Lafayette, Ind., competes during the Scripps National Spelling Bee, Wednesday, May 31, 2023, in Oxon Hill, Md. (AP Photo/Nathan Howard)

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FILE - This image provided by the Atlanta Police Department shows construction equipment set on fire Saturday, March 4, 2023, by a group protesting the planned public safety training center in DeKalb County, Ga. State and local police arrested three people on Wednesday, May 31, 2023 who run a fund that bails out protesters, accusing them of money laundering and charity fraud. (Atlanta Police Department via AP, File)

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FILE - In this Dec. 14, 2017, file photo, Adele MacLean talks to reporters outside Atlanta's municipal court. State and local police on Wednesday, May 31, 2023 arrested MacLean and two other people who run a fund that bails out protesters against an Atlanta police training complex, accusing them of money laundering and charity fraud. (AP Photo/Kate Brumback, File)

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FILE - A banner that activists have raised above their main campsite is shown in the South River Forest in DeKalb County, Ga., near the site of a planned police training center, Thursday, March 9, 2023. State and local police arrested three people on Wednesday, May 31, 2023 who run a fund that bails out protesters, accusing them of money laundering and charity fraud. (AP Photo/R.J. Rico, File)

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Brihasa Veduru, 10, from Keller, Texas, competes during the Scripps National Spelling Bee, Wednesday, May 31, 2023, in Oxon Hill, Md. (AP Photo/Nathan Howard)

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Lora Wu, 12, from New York, N.Y., right, and Brian Liu, 11, from Great Neck, N.Y., react to advancing to the semifinals during the Scripps National Spelling Bee, Wednesday, May 31, 2023, in Oxon Hill, Md. (AP Photo/Nathan Howard)

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Elise Cournoyer, 14, from Richmond,Vt., competes during the Scripps National Spelling Bee, Wednesday, May 31, 2023, in Oxon Hill, Md. (AP Photo/Nathan Howard)

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Republican presidential candidate Florida Gov. Ron DeSantis speaks during a campaign event at Port Neal Welding, Wednesday, May 31, 2023, in Salix, Iowa. (AP Photo/Charlie Neibergall)

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Michael DiMassa, left, and his lawyer, John Gulash, right, speak to reporters outside federal court in Hartford, Conn., Wednesday, May 31, 2023. DiMassa was sentenced to more than two years in prison for stealing $1.2 million from the city of West Haven, Conn. (AP Photo/Dave Collins)

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FILE - Then-San Francisco District Attorney Chesa Boudin poses outside his office in San Francisco, on Jan. 30, 2020. The polarizing former prosecutor of San Francisco has announced he will not run for his old job in 2024. Chesa Boudin said Wednesday, May 31, 2023, he starts a new job as executive director of a new criminal law research and advocacy center at the law school of the University of California, Berkeley. (AP Photo/Eric Risberg, File)

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FILE - Then-San Francisco District Attorney Chesa Boudin listens to a reporter's question during an interview at his campaign headquarters in San Francisco on May 26, 2022. The polarizing former prosecutor of San Francisco has announced he will not run for his old job in 2024. Chesa Boudin said Wednesday, May 31, 2023, he starts a new job as executive director of a new criminal law research and advocacy center at the law school of the University of California, Berkeley. (AP Photo/Eric Risberg, File)

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A worker hangs a sign before the arrival of Republican presidential candidate Florida Gov. Ron DeSantis at a campaign event at Port Neal Welding, Wednesday, May 31, 2023, in Salix, Iowa. (AP Photo/Charlie Neibergall)

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This image released by Pimienta Films shows a woman holding a photograph of a disappeared relative in a scene of the documentary "Volverte a ver" by director Carolina Corral. (Pimienta Films via AP)

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House Minority Leader Hakeem Jeffries, D-N.Y., joined from left by Rep. Ted Lieu D-Calif., the Democratic Caucus vice chair, Rep. Pete Aguilar, D-Calif., the Democratic Caucus chair, and Rep. Katherine Clark, D-Mass., the Democratic whip, talks to reporters about the closed-door meeting they had with fellow Democrats on the debt limit deal, at the Capitol in Washington, Wednesday, May 31, 2023. The agreement negotiated by Speaker of the House Kevin McCarthy, R-Calif., and President Joe Biden, will be voted on in the House later tonight. (AP Photo/J. Scott Applewhite)

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Audience members photograph competes during the Scripps National Spelling Bee, Wednesday, May 31, 2023, in Oxon Hill, Md. (AP Photo/Alex Brandon)

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This image released by Pimienta Films shows women searching for missing relatives in a scene of the documentary "Volverte a ver" by director Carolina Corral. (Pimienta Films via AP)

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House Minority Leader Hakeem Jeffries, D-N.Y., leaves after talking to reporters about the closed-door meeting he had with fellow Democrats on the debt limit deal, at the Capitol in Washington, Wednesday, May 31, 2023. The agreement negotiated by Speaker of the House Kevin McCarthy, R-Calif., and President Joe Biden, will be voted on in the House later tonight. (AP Photo/J. Scott Applewhite)

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A supporter signs Republican presidential candidate Florida Gov. Ron DeSantis' bus after a campaign event at Port Neal Welding, Wednesday, May 31, 2023, in Salix, Iowa. (AP Photo/Charlie Neibergall)

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Isaac Brogan, 11, from Windsor, Ontario, left, and others, celebrate when it was announced that the group moves on to the semifinals during the Scripps National Spelling Bee, Wednesday, May 31, 2023, in Oxon Hill, Md. (AP Photo/Alex Brandon)

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Aiden Wijeyakulasuriya, 12, from Middleton, Wis., competes during the Scripps National Spelling Bee, Wednesday, May 31, 2023, in Oxon Hill, Md. (AP Photo/Alex Brandon)

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Broadcast analyst Paul Loeffer announces the semifinalists during the Scripps National Spelling Bee, Wednesday, May 31, 2023, in Oxon Hill, Md. (AP Photo/Alex Brandon)

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Dan Mervak, left, celebrates with his daughter Clara Mervak, 11, from Kalamazoo, Mich., at the Scripps National Spelling Bee, Wednesday, May 31, 2023, in Oxon Hill, Md. (AP Photo/Alex Brandon)

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Charlotte Walsh, 14, from Arlington, Va., left, is congratulated by her mother Emily Walsh, during the Scripps National Spelling Bee, Wednesday, May 31, 2023, in Oxon Hill, Md. (AP Photo/Alex Brandon)

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House Minority Leader Hakeem Jeffries, D-N.Y., leaves after talking to reporters about the closed-door meeting he had with fellow Democrats on the debt limit deal, at the Capitol in Washington, Wednesday, May 31, 2023. The agreement negotiated by Speaker of the House Kevin McCarthy, R-Calif., and President Joe Biden, will be voted on in the House later tonight. (AP Photo/J. Scott Applewhite)