If you’re a Windows 7 user, your deadline is near: Windows 7 officially exits support on Jan. 14, 2020, so it’s very close to the time you need to upgrade to Windows 10.

“End of support” means that your Windows 7 or Office 2010 software will no longer receive updates, including security updates, according to Microsoft.

If you’re a consumer, there’s really no option but to upgrade to Windows 10. If your PC is part of a Windows 10 Professional or Enterprise volume license, joined to a domain, your company may be willing to pay Microsoft a per-device fee to maintain support for 2020. But that’s an option only for business PCs, not everyday users.

What to do after Windows 7 support ends

At this point, you have several choices:

Ignore the deadline, including the popup warnings you’ve probably already received. Buy a new copy of Windows 10 ($140 from Microsoft Remove non-product link ), and install it. Hope that the free upgrade loophole still exists. Buy a new Windows 10 PC and migrate your existing files over to the new machine.

Note that these options also apply to Windows 8.1, whose support ends in 2023.

Microsoft Microsoft would like you to migrate to Windows 10, too—it has an entire page devoted to it.

Option one: Risk your entire PC

We wouldn’t recommend the first option: ignoring the deadline altogether. Essentially, at least where Microsoft is concerned, your PC will simply cease to exist. Third-party antivirus software, apps, utilities, games and other software will still work. But Microsoft won’t upgrade any of its browser software, and if a vulnerability is discovered for Windows 7, it won’t be patched. There will be no technical support for Windows 7. You’re on your own.

One exception? Oddly enough, it’s Office. If you subscribe to Office 365 and run Windows 7, you’ll still receive security updates for Office 365 for the next 3 years, until January 2023. But you won’t receive any new Office 365 features, which are one of the reasons for buying Office 365. Office 2010 and the newer standalone Office suites will be “supported,” too—but only if the problem is specific to Office, and not to the interaction between Office and Windows 7. In that case, you’re stuck.

Option two: Buy a new Windows 10 license

Second, you can upgrade your existing PC with a new Windows 10 license.

Microsoft At press time, Microsoft’s charging the same amount for a copy of Windows 10 Home that it can send you on a USB, as well as downloading it over the Internet.

At one point, upgrading to Windows 10 was as simple as clicking a button and signing up for the free upgrade. Unfortunately, that window has closed—maybe. That means paying $200 for Windows 10 Pro, or $140 for Windows 10 Home (which has increased from Microsoft’s original price of $120 when it first launched). That will buy you a USB key with the Windows 10 software installed, which you can then insert into your PC and perform the necessary upgrade.

Option 3: Upgrade to Windows 10 for free

There may be a third option. Microsoft gave Windows 7 and Windows 8.1 users an entire year after the launch of Windows 10 (until July 31, 2016) to upgrade to Windows 10 for free, and then until the end of 2017 to use an assistive loophole to gain access. However, Microsoft apparently never turned off the Windows 10 upgrade servers, according to ZDNet reporter Ed Bott. So you may end up lucking out: You might be able to upgrade from Windows 7 to Windows 10 for free!

If you have a Windows 7 PC, simply visit the Windows 10 download page, and download the upgrade tool onto your PC. (You’ll have to accept the license terms.) Windows 7 Starter, Home Basic, and Home Premium will upgrade to Windows 10 Home, while the other Windows 7 Professional and Ultimate editions will be replaced with Windows 10 Pro.

You can either perform an in-place upgrade to upgrade to Windows 10 directly on the PC, or else download the tool onto a separate USB key (with at least 8GB of free space) or onto a CD-R or rewritable DVD. The latter option will allow you to upgrade multiple PCs.

Mark Hachman / IDG The Windows 10 upgrade tool will provide you with a choice between upgrading the current PC, and downloading the tool onto a USB stick or DVD to upgrade other PCs.

Note that you’ll still need a valid Windows 7 license for the tool to work. If, for some reason, Windows doesn’t detect the license on the machine, you may need to enter it manually. You may need to dig out the old Windows 7 license key—our license-key tutorial can help out here, especially the section on using the Magical Jelly Bean Key Finder. You may also have the license key tucked away on a sticker on the laptop or desktop. (The product key should be five sets of letters and numbers, formatted like this: xxxxx-xxxxx-xxxxx-xxxxx-xxxxx)

Be sure to back up everything you wouldn't want to lose: documents and photos, at a minimum. That means copying those files to a backup hard drive, DVD, or the cloud. This is a “better safe than sorry” scenario: By default, Windows will preserve the apps, settings, and files when it upgrades your system to Windows 10. (You can also back up your files in Windows 7, and restore them later in Windows 10.)

We can’t say how long the process will take. From downloading the tool and the necessary files, and performing the upgrade, and possibly downloading any additional patches, it’s a good idea to allot at least an hour to the process, perhaps more. The process will also be complicated by how fast your broadband connection is, and whether your PC uses a spinning hard drive or SSD.

Mark Hachman / IDG You may see the Windows 10 Out of the Box Experience (OOBE) when the upgrade completes, together with encouragement to sign in with a Microsoft account.

Once the process completes, it’s time to check on the status of your files: Were your photos preserved? Your documents? It’s at this point that you may want to copy back the files you backed up, if they aren’t there. Double-check applications, including antivirus programs, to make sure the license keys are still intact. It’s also a good time to familiarize yourself with how to set up a new Windows 10 computer and how to personalize your PC, just to be sure you’re taking full advantage of Windows 10.

If you're upgrading on older hardware, Windows 10 may run more slowly than Windows 7, just due to the increased load on your processor and hard drive. Resetting your PC may help: Click the search box in the Taskbar at the bottom of the screen, then type in reset or reset my PC. That will take you to the Recovery menu in the Settings, where you’ll have the option of reinstalling Windows yet again. That may help improve performance, but it will also take even more time to complete.

Option four: Buy a new PC

The fourth option is simply to buy a new PC, with all-updated hardware. Chances are you’ll be buying a much faster CPU, a better graphics processor, and probably a lightning-fast SSD storage drive as well. If you’ve been following our Black Friday and holiday PC deals, you’ve probably seen some fantastic deals on new PCs. The good news is that PC makers and retailers will likely let those linger well into the new year. We also have a frequently-updated list of the best laptops we've tested, as well as the best budget laptop deals on Amazon and Best Buy, to help with your purchase.

Gordon Mah Ung A entirely new Windows 10 laptop is clearly the simplest, most powerful option, but it’s by far the most expensive. The Windows 10 license will ship with the new PC.

If you do buy a new computer, you’ll be able to take advantage of our tutorial on how to set up a new Windows 10 computer and how to personalize your PC. To this, we’d add a third step: how to migrate your content over from your old PC. Laplink is offering some help here: If your new PC has an Intel chip inside, the company’s offering a free copy of the venerable PCmover software to help you move your files from one machine to the other.

The bottom line? When Windows 7 officially exits support on Jan. 14, 2020, that PC will be at risk of attacks from malware that Microsoft simply won’t patch. Microsoft’s attitude toward the transition has ranged from gentle reminders to starker, more fearsome warnings, and it’s not clear what language Microsoft will use to remind users that it’s time to upgrade. Nevertheless, what with the free time we hope you have during the holidays, and the looming deadline—the time to migrate from Windows 7 to Windows 10 is now.