If you're like most federal student loan borrowers in the United States, you haven't given much thought to your student debt over the past three years. But with the interest and repayment pause set to end Aug. 30 and federal loan payments coming due in October, many people are about to find themselves with an additional monthly expense.

The end of the repayment pause also means that you're likely to see advertisements from private lenders offering to refinance your federal student loans. So here's what you need to know to be able to make a smart decision.

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Source Fool.com