The first key step to managing your student loans is to know where your loan came from whom you are paying and what amount you owe to find those things out first identify your student loan servicer your servicer is the company in charge of managing your loan repayment process. 10 tips for managing your student loan debt 1 calculate your total debt as with any type of debt situation you need first of all to understand how much you owe 2 know the terms as you sum up the size of your debt also itemize the terms of every loan each one could have 3 review the . See how much youve repaid towards your loan see how much interest has been applied to your loan so far make a one off repayment set up and amend direct debits tell the student loans company . Enroll in the right repayment plan federal student loans are automatically enrolled in a 10 year standard repayment plan this means the government takes the total of your federal loans and splits it evenly across 10 years to determine your monthly payment amount but this isnt your only option
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