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Millie Bridges is doing a sponsored litter pick in Hungerfoord, Lambourn, Chilton Foliat and Kintbury each day in April to raise money for Great Ormond Street Hospital

Meet Millie, the amazing 12-year-old cleaning up our streets for charity.

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NBC Nightly News With Lester Holt

risk people shouldn't take. >> the loans are still there and the repayment is still needed. >> reporter: failing to pay comes with serious consequences. those in default face wage garnishing and big credit score hits. but for now, the government says borrowers won't face those penalties if they miss payments. >> we know many of our borrowers are going to struggle to make payments, but we want to make sure that we're not sending their names to credit agencies. so we're going to hold them harmless for a year as they're getting back up. >> reporter: among longer term options for relief, see if your employer offers repayment assistance programs and consider save program, which would adjust monthly bills based on borrowers' income. josie is weighing her options, but says it's going to be tough either way. >> at this moment, it's either come up with money to pay for these now student loans that i'm having to pay, or make it to where my business doesn't function as it needs to. >> reporter: one of millions bracing for the debt cliff this fall. brian cheung, nbc news, portland, oregon. there is much more to tell you about.

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NBC Nightly News With Lester Holt

>> reporter: the biden administration's plan to forgive up to $20,000 in student debt would have wiped josie's slate clean. instead, a challenge from six republican states resulted in a supreme court decision in june, striking down the plan, after josie had already put thousands of dollars in investments into her salon. >> i'm disappointed and i'm confused. it's too inconsistent. i don't know what's going to happen in the future, and that's kind of scary. >> reporter: if the administration was able to cancel all the debt, what would that have done for you? >> given me financial freedom. >> reporter: the median student borrower has between 20,000 to $25,000 in outstanding debt. and for over those 40 million borrowers, they're going to be facing interest accrual beginning in september, with the first payments in over three years due in october. >> it is officially time for student loan repayment boycott. >> reporter: some taking to social media calling on borrowers not to pay. >> does the u.s. government think we're going to back to paying student loan payments like what? it's going to ruin my credit score? >> reporter: miguel cardona says it's a

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NBC Nightly News With Lester Holt

nyquil severe honey. powerful cold and flu relief with a dreamy honey taste. nyquil honey, the nighttime, sniffing, sneezing, couging, aching, fever, honey-licious, best sleep with a cold, medicine. back now with a ticking clock for student loan borrowers. payments are set to resume in october. but as brian cheung reports, some say they can't afford to pay, and others say they won't. >> reporter: josie bridges is a single mom living paycheck to paycheck. it's hard enough dealing with rising prices at the store. >> my student payments are sitting right now at about $400 is what they're expecting each month. that's my food budget right there. >> reporter: the pandemic freeze on student loan payments allowed josie to open up her own salon in portland, oregon. but with $4,000 in outstanding debt from her community college degree, he says she simply won't be able to make the monthly payments once they resume in october. >> now i realize that it's kind of out of my hands at this point. if i can't make it, i can't make it. >> it's a game-changer.

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