Kool99 | Istock | Getty ImagesContact your lenderBecause of the pandemic-era payment pause on student loan bills, most borrowers haven’t made a payment in more than two years. Now the bills are set to arrive in mailboxes again in September.Even if some student debt is forgiven, you could still have a balance and you’ll want to check your loan account. They’ll be many things to find out: Did you get the relief to which your entitled? If you have a lower tab, what is it?Make sure your loan servicer has all your current contact information, too, so that you stay in the know during all these changes. You can update your info with your loan servicer at StudentAid.gov.Adding some messiness here is the fact that millions of borrowers will have a new loan servicer by the time payments resume because of changes in the industry.Impacted borrowers should get multiple notices, said Scott Buchanan, executive director of the Student Loan Servicing Alliance, a trade group for federal student loan servicers.Come September, if you mistakenly send a payment to your old servicer, the money should be forwarded to your new one, Buchanan said.Save upAgain, don’t count on student loan forgiveness wiping out your entire balance.”In all likelihood, student loan forgiveness will be limited in eligibility and amount, so you can’t count on it erasing all of your student loan debt,” Kantrowitz said.Student loan forgiveness, if it happens, will likely be limited to just federal loansMark Kantrowitzhigher education expertFor example, $10,000 in cancellation would only fully clear the debt for a third of borrowers.As a result, Kantrowitz recommends starting to salt away some money now to ease the pain of the bills resuming.Hold off on refinancingEven though interest rates are low at the moment, Kantrowitz said borrowers should think twice about refinancing their debt with a private lender.”Student loan forgiveness, if it happens, will likely be limited to just federal loans,” he said.You don’t want to miss out on debt cancellation while pursuing a lower interest rate.Try to make sure you’ll qualify for the reliefMillions of people who took out student loans before 2010 under the Federal Family Education Loan program have been excluded from the government’s offer to pause their payments without interest accruing during the coronavirus pandemic.There’s some concern that these borrowers could also be left out of any student loan forgiveness.As a result, holders of FFEL loans may want to contact their servicer and consolidate them into the main Direct Loan program, which will qualify for the forgiveness, Kantrowitz said.The main downside of doing so is that your repayment timeline will be reset and so if you’re near the end, it may not make sense.Don’t stress about taxesStudent loan forgiveness is now tax-free, thanks to a provision included in the $1.9 trillion federal coronavirus stimulus package that became law in March 2021.Formerly, any student loan debt canceled by the government was considered taxable and levied at the borrower’s normal income tax rate.According to a rough estimate by Kantrowitz, $10,000 in cancellation would have triggered an extra $2,000 in taxes for the average borrower. If $50,000 per borrower was canceled, the average person would have to write the IRS a check for $10,000.Borrowers would now be off the hook from these bills.