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Choose the payment option that fit your financial circumstances. Many loans offer a ten year length of time for repayment. There are other ways to go if this doesn't work. For instance, you can take a longer period to pay, but you will end up paying more in interest. You could also do income-based payments based on your income. Some loans are forgiven after twenty five years have passed.

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Reduce the total principle by getting things paid off as quickly as possible. Focus on paying off big loans up front. After the largest loan is paid, take the money that was previously needed for that payment and use it to pay off other loans that are next in line. When you make minimum payments on each loan and apply extra money to your biggest loan, you can eventually eliminate all your student debt.

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