Make a list of every loan balance, interest rate, minimum payment, and due date
Pay at least the minimum on every loan every month
Put any extra money toward the highest-interest loan first
Consider the debt avalanche method to save the most on interest
Consider the debt snowball method if you want quick wins and motivation
Refinance only if you can get a lower rate and will not lose important federal loan benefits
Enroll in autopay to avoid missed payments and possibly get a rate discount
Make biweekly payments if your servicer allows it
Apply windfalls such as tax refunds, bonuses, or gifts directly to principal
Cut unnecessary expenses and redirect the savings to loan payments
Increase income with overtime, freelance work, side jobs, or a higher-paying job
Use employer student loan repayment benefits if available
Check whether you qualify for income-driven repayment plans
Reevaluate your repayment plan regularly as your income changes
Avoid deferment or forbearance unless necessary
Contact your loan servicer early if you are struggling to pay
Track your progress and update your payoff plan as balances change