Make a list of all student loans, balances, interest rates, and due dates
Set up automatic payments
Pay at least the minimum amount due on every loan
Pay extra toward the loan with the highest interest rate
Consider the debt avalanche method
Consider the debt snowball method
Refinance if you qualify for a lower interest rate
Consolidate loans if it lowers or simplifies payments
Apply tax refunds, bonuses, or windfalls to your loans
Contact your loan servicer if you need a different repayment plan
Choose an income-driven repayment plan if eligible
Make payments while in school or during deferment if possible
Avoid missing payments to prevent fees and credit damage
Track progress and adjust payments as your income changes