Millions of Americans will soon have to resume paying their student loans.

New data shows just what a daunting task that could be.

According to the Consumer Financial Protection Bureau, about 20% of student loan borrowers have risk factors that indicate they could struggle when payments resume. More than 1 in 13 student loan borrowers are currently behind on other payment obligations, a rate higher than before the student loan pause started in March 2020 during the COVID pandemic.

Student loan borrowers owe more in other debts now as well.

CFPB found that median scheduled payments on other debt obligations have increased by 24% for borrowers whose student loans will soon become due. In percentage terms, those increases are especially notable for younger borrowers, who have seen a whopping 252% increase from $65 to $229.

Despite the daunting figures, payments are set to restart.

Starting Sept. 1, interest on student loans will resume. Payments will follow in October, though the exact date will depend on the servicing company. The Department of Education is expected to give more details in the next few months on the specifics of the restart.

The Biden administration previously said the student loan payment pause would be lifted after the Supreme Court ruled on President Joe Biden’s student loan forgiveness program, or two months after June 30. That scheduled was later tweaked to the September/October dates.

The SCOTUS decision – expected in June or July – factors in as well. The nation’s highest court is deciding if Biden’s plan to forgive as much as $20,000 in debt for people with federal student loans, can proceed. Even if it upholds the White House plan, some 25 million Americans will still have some loan balance remaining, according to Department of Education data.