Payments on Federal Student Loans, which have been suspended from March 13, 2020, will resume after January 31st, 2021. The CARES Act originally provided for payments to be suspended through September 30th, 2020. All provisions of the act were later extended through December 31st, 2020 by Executive Action, and were extended through January 31st, 2021 by the Secretary of Education.
If you are in Income Driven Repayment and your family has grown, or your income has gone down since you last made a payment, you can recertify your new income at studentaid.gov and lower your payment before it is due in February. If your family has not grown and your income has not changed significantly, you need not recertify your income until your IDR plan anniversary in 2021.
If you are not in an IDR plan yet, you may find that applying for one lowers your monthly payment, and can make you eligible for Public Service Loan Forgiveness on eligible loans for eligible employees of eligible employers.