As the country begins to reopen, many people are facing the reality of having to pay back student loans and rent. To help, a Loudonville coffee shop, of all places, is serving tips on how to be financially stable coming out of the pandemic with a cup of joe.

“People had a savings and now they are digging into that,” said Joseph Ventura, who runs Eden Cafe.

He continues to consult with clients as the coronavirus pandemic has depleted many people’s accounts.

“This is the first time in our history the government has said 'you can’t earn a living for yourself,'" said Ventura.

To lessen the financial blow of a nationwide lockdown, the U.S. government passed the CARES Act, which included pauses on evictions and federally back student loan payments. But there is one downside to the act.

“Eventually it is going to come due,” said Ventura.

And if with the announcement by Governor Andrew Cuomo to extend rent relief for another 60 days puts you in deep water, Ventura said it important to be open with your landlord if you're having trouble.

“They all know that a lot of people are out of work, so you could start by asking them what options are available to you,” said Ventura.

Ventura also said to maintain records of repayment options agreements through e-mail or letter. Also, keep proof of unemployment handy incase it’s requested. Lastly, there are options for people that are completely out of resources.

“Catholic Family Charity resources, the United Way are all lending a hand,” said Ventura.

Ventura also has advice for people with federally backed student loans. Payments have been paused temporarily without interest accruing, under the CARES Act, but those payments are set to resume at the end of September.

“Separating that money into a separate bank account is the best thing you can do,” said Ventura.

If you’re in a position to refrain from touching those would-be payments, it could be beneficial in the long run.

“We don’t know all the legislation that is coming out. Let’s all hope the people are favored and there’s some sort of forgiveness,” said Ventura.