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Money; Getting Images

As student loan borrowers reconfigure their budgets to fit in loan bills after a three-and-a-half-year pause, new research shows they expect to spend an average of $56 less per month after the October resumption of payments.

That stat, which comes from the Federal Reserve Bank of New York, suggests that many borrowers don’t plan to reduce their spending by the same amount as their bills, which a separate report estimated would run between $210 and $314 a month for the typical borrower.

Some borrowers likely plan to draw from their savings (or reduce how much they’re socking away) to maintain current lifestyles, according to the New York Fed report.