An executive order issued by President Barack Obama earlier this month aims to provide more flexibility to millions of student loan borrowers with low income and high debt. But with the law not set to go into effect until December 2015, area experts say borrowers should use existing resources to find the best payment plan available now. “We are still trying to figure (the order) out for the simple reason it is very confusing and we do not know for sure if it is going to go through completely,” said Jill Rayner, director of financial aid for the University of North Georgia.