Does the thought of your student debt keep you up at night? Are you paralyzed by the idea of owing thousands of dollars? Or do you do your best to not think about it—putting it off until “tomorrow”?

Whether student debt has you breaking out in a sweat, or you’re avoiding the reality for as long as you can, it’s time to face the music. But here’s the good news: You don’t have to fear it. Just face it.
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