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An autopay button with a student graduate cap is being clicked by a digital cursor

With yet another extension of the freeze on federal student loan payments, it may be tempting to simply push any and all thoughts of your debt out of mind until May 1 approaches.

But these extra three months of a break on payments could serve as a critical period to prepare for their return, something President Biden urged borrowers to do in announcing the extension at the end of December. Because one thing is (almost) certain: student loan payments will eventually come back. And before they do, it may be a good idea to sign up for autopay.

Here’s how to tell if it’s a good idea for you.