The Federal Reserve Bank of New York released new data on Tuesday about the state of household debt. That includes how much people owe on their student loans, as well as how much they’re falling behind. The student loan delinquency rate ticked up to 10.6% in the second quarter. That’s up 0.3% from earlier this year. Those are debts that are at least 90 days past due.“I think the overall picture here is that people are having trouble figuring out how to make their payments,” said Dalié Jiménez, a law professor at the University of California, Irvine who studies student debt.Jiménez pointed out that student loan payments were paused during the pandemic for over three years. Missed payments started to show up on borrowers’ credit reports just last January — which, to some, was a surprise. “They kind of stopped paying attention to their loans because they didn't have to for so long,” said Betsy Mayotte, president of The Institute of Student Loan Advisors. “And they were caught off guard.”Mayotte called the past five years the most chaotic in student loan policy history. Another change? Some borrowers had been on the Biden-era SAVE plan, which is now defunct. It offered super low monthly payments, and people budgeted for things like their mortgages around that. “Now that plan is gone, and their next-lowest plan is a lot higher than what their SAVE amount was, and there's most of the other decisions they made,” Mayotte said. “There's no take-backsies. … It's not easy to just sell the house.”Mayotte said the millions of people who were on the SAVE plan are now getting notices that they have to move to another one. She believes some of those borrowers will instead choose not to pay, causing another spike of delinquencies.