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Having debt hanging over you is no way to live, and you'll be much happier building a nest egg for your future then being saddled with debt the next twenty years.

So the first thing you need to do is create a budget and a plan.   Tear up your credit cards except for one emergency card, and stick to using debit cards or cash for expenses.

If you live by yourself consider taking in a roommate, or getting a smaller place.

If your nights are free consider taking a second job in a social environment somewhere, not only will you be earning money you can use to help reduce your student loans, but you'll be saving money by not going out.

Making smart financial choices right out of college can have a dramatic effect on your lifelong income.  

You should even consider starting an investment club with your friends to share ideas, debt reduction strategies, student debt consolidation programs and more.

Even sharing DVD rentals once a week, exchanging magazines and staying in on Saturday nights with the group could save you $100 plus per month.

Most importantly of all... always live within your means..  don't get overextended financially or it could take you years to come out of it.     Ask anyone in their 40's still paying off their student loans...  they all wish they had made better financial decisions in their 20's..
]]> http://www.fsnstudentloans.com/how-to-help-payoff-student-loans.html http://www.fsnstudentloans.com/how-to-help-payoff-student-loans.html debt consolidation investment clubs student loans Wed, 01 Aug 2007 15:02:38 -0600