Mykail James has a plan for when payments on her roughly $75,000 in student loans restart next month. She’ll cut back on her “fun budget” — money reserved for travel and concerts — and she expects to limit her holiday spending. “With the holidays coming up — I have a really big family — we will definitely be scaling back how much we’re spending on Christmas and how many things we can afford,” James said. “It’s just going to be a tighter income overall.” In October, roughly 27 million borrowers l