With student loan payments set to resume in October, many Americans have money on their minds. If you need help figuring out how to pay down your debt, these apps will help you make and stick to a budget that works for you.

Trying to stay accountable about setting aside money toward your loans? Save without a second thought in this behavioral-science-based app. Qapital’s customizable rules turn everyday actions into savings triggers: Receiving a paycheck or making a purchase at a designated “guilty pleasure” location can prompt an auto-deposit toward your goals.

You Need A Budget (YNAB) uses a zero-based budgeting system, meaning that every cent of the money you earn is categorized and accounted for. This helps you visualize how your spending aligns with your priorities (Dropping too much on takeout? Cook at home and use the extra cash toward your loans). You’ll also proactively set aside money for sneaky expenses, like car maintenance or holiday gift buying.

If you’re feeling overwhelmed by your loans, this app helps you make a realistic plan to pay them off. Add details like your loan’s APR to see how much you should contribute each month, then see what date you’ll become debt-free. If you have multiple debts, choose a repayment strategy that aligns with your goals. (Want a quick win? Try Dave Ramsey’s “debt snowball” method and prioritize the loan with the lowest balance.)

Effectively manage your spending and pay off debts with this all-in-one app. Once you set a budget, you’ll get notified when you’ve overspent, or are at risk of doing so. You’ll also get financial insights through helpful graphs that show your upcoming expenses, debt-to-income ratio, and more.