NEW YORK — Millions of Americans must start repaying their federal student loans again in October, with monthly payments averaging hundreds of dollars. To get ready, borrowers are cutting expenses, taking on additional work, and looking for options to reduce their monthly payments. Megan McClelland, 38, said she has started asking for October shifts with a catering company and a winery to help supplement her income. [time-brightcove not-tgx=”true”] McClelland’s main job is as a counselor at Petaluma High School in California. During the more than three years payments were suspended because of the pandemic, she paid off her car loan and was able to save for the first time. She
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