One Department of Education official knows that many student loan borrowers are worried about payments restarting next month.

This week, he offered a roadmap.

"Bills will be going out as payments are due in October and we're encouraging people to take a look at all of the affordable repayment options," James Kvaal, under secretary of the Department of Education, told Yahoo Finance Live (video above). "We've created the SAVE Plan, which is the most affordable repayment plan ever, and already has 4 million people in it. Come to StudentAid.gov and take a look at what options are available to you."

More than a quarter of Americans with student loan debt say they're not sure how they will be able to repay their loans in October, a recent New York Life survey found. And while another quarter say they have enough money in their budgets to cover the payments, 23% of those said they will need to reduce other spending to make it work.

Read more: Can you change your student loan repayment plan?

Kvaal's appearance dovetails with the Department of Education's "SAVE on Student Debt" week of action that includes events nationwide with 100 participating organizations to inform borrowers who may be struggling about their options for repayment and other debt-relief programs.

Borrowers can sign up for the new Saving on A Valuable Education (SAVE) income-driven repayment plan with their loan servicer or directly on the Federal Student Aid website, StudentAid.gov. They can also compare SAVE with other income-driven repayment plans available to them using the government’s loan simulator. For a more personalized comparison, borrowers are encouraged to complete the IDR application process, a Department of Education official previously said.

For borrowers who are in default, Kvaal encouraged them to check out the Fresh Start program by contacting their loan servicer or visiting StudentAid.gov.

"That's really important to do if you have a loan in default," he said. "That gives everyone an opportunity to start repayment coming out of the pause — a new beginning just like all other students have."

At the core of the student loan debt crisis is the increasing cost of college and its impact on students and families. Kvaal detailed the types of changes the Biden administration is seeking to make paying for college more affordable — both on the front end and back end.

"We've worked really hard to bring down the cost of college going forward. Pell Grants are up by the largest amount in a decade," he said, referring to the federal grants awarded to students who demonstrate exceptional financial need.