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Celina Chanthanouvong and her partner Richard Flores pose in their apartment in Emeryville, Calif., on June 2, 2023. After a payment pause that has lasted more than three years, more than 40 million student loan borrowers will be on the hook for payments starting in late August. The pause in repayment has been a lifeline keeping 25-year-old Chanthanouvong afloat. (AP Photo/Terry Chea)

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