"… Debt counselors also say graduates with debt should see if they can qualify for loan forgiveness, refinancing or debt consolidation — all while not incurring new debts. In other words, he says, live below your means." …
Comprehensive article.
http://www.npr.org/2016/03/01/468272843/strategies-for-when-youre-starting-out-saddled-with-student-debt
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