Make a list of all your student loans, balances, interest rates, and due dates
Set up autopay to avoid missed payments and possibly get a rate discount
Pay at least the minimum amount due on every loan each month
Put extra money toward the loan with the highest interest rate first
Consider the debt avalanche method to save on interest
Consider the debt snowball method if you want to pay off smaller loans first
Refinance only if you can get a lower rate and you will not lose important federal loan benefits
Consolidate federal loans only if it helps simplify repayment and fits your goals
Choose the best repayment plan for your income and loan type
Use income-driven repayment if your payments are too high
Make extra payments whenever possible
Apply windfalls such as tax refunds, bonuses, or gifts to your loans
Contact your loan servicer if you are struggling to make payments
Explore deferment or forbearance only if you need temporary relief
Track your progress regularly and adjust your plan as needed
Avoid missing payments to protect your credit and prevent default