Let's be honest. Most Americans with federal student loan debt haven't given it much thought in the past three-plus years. With no interest accumulating and no requirement to make payments, most borrowers haven't made any student loan payments, looked at a statement, or even logged into their student loan accounts.

With the three-and-a-half year pause on federal student loan interest and repayment set to end after August, there are a few things you can do to make sure you're prepared. Here are three of the most important.

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Source Fool.com