Experts say recent graduates with loans should choose the repayment option that makes the most sense for them now and expect to make adjustments later.

So you’re about to graduate from college. Congratulations. But now you have to think about finding a job and, sooner than you may prefer, starting to repay your student loans.

It’s especially important to understand your options, experts on student borrowing say, because many aspects of the federal student loan system are in flux.

The system, which has always been challenging to navigate, is only now creaking back into full operation after years of Covid-era pauses on payments and collections. And court challenges to a low-cost repayment option, along with program changes floated by the Trump administration and House Republicans, have created a potentially confusing environment for new graduates.

“They’re graduating into a time of uncertainty around what their repayment options will look like,” said Abby Shafroth, the director

Keep reading this article on The New York Times Your Money.