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If you’re like me, then you’re trying to figure out how in the (bleep) you’re going to pay off your student loans, right? Even dead people owe on their student loans (not kidding).

 Here are some tips to help you get financially fit; especially with your school loans:

Find out how much debt you actually owe and from where your different student loan bills are coming. You can find this information by accessing the National Student Loan Data System. Former students often don’t make payments toward one particular loan simply because they do not know about it.

Contact each loan company to which you owe money. Make sure you understand when repayment begins and when your bills will be due each month. During your conversation, it is also important to update any contact information so that your bills will be sent to the right address.

Assess what kind of spending you can live without and what you just can’t give up. It’s OK to splurge a little bit but it’s also important to make sure you cut back on things you don’t really need. For example, brewing your coffee at home instead of purchasing a $4 latte at a coffee shop every morning will save you money that can go toward your debt.

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