Right now, 8 million borrowers have their student loan payments on hold due to the legal challenges of the Biden administration-led Saving on a Valuable Education relief plan. But that’s not the case for millions of additional borrowers squeezing their monthly student loan payments into their budget during the holidays. <!–> Elaine Rubin, a student loan and policy expertThis time of year can add up quickly – especially if there’s the expectation among family members that you’ll give memorable gifts to everyone. The pressure can push you to overspend and delay paying certain bills that you…