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the Department of Education sent record payments 6.4 billion dollars to the treasury in August as debtors started making student loan payments once again but theres hope yet for those waiting until payments are required again in October Yahoo finances Danny Romero joins us with more on that hey Danny hi there Rochelle well its that time of year to start thinking about budgeting especially as student loan repayments are set to be due theres been much discussion about that save plan and how it works well were going to break it down for you by using one of our viewers question here it goes here it is if I make sixty eight thousand dollars as a single person and my payments are at three hundred and twelve dollars is it worth it to apply to save before we jump in and calculate those monthly payments we need to figure out what is Mollys discretionary income that is the income thats left over after you pay those basic needs like food and rent and how were going to calculate that were