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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Student loans can seem overwhelming at first, but by taking this advice and setting up a repayment strategy that works for you, you’ll master your student loans in no time!
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If you’re among the millions of current or former students with debt, you’ve probably been tempted to click on an ad that says, “Obama Wants to Forgive Your Student Loans!” or “Erase Default Statuses in 4 – 6 Weeks!” or some equally enticing student loan debt relief offer … available only if you click or call NOW!

Many the companies behind these offers have sophisticated marketing tactics to target unsuspecting students, borrowers, parents, military service members, and their families. In the Financial Aid Office, unfortunately I hear about these pitches a lot. My advice: Before you pay somebody to help you with your student loans, do your homework.

It’s tempting to just say: Don’t do it. Walk away. Call your loan servicer instead. But there’s more you should know.
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Do you know what to do if you can’t afford life’s necessities? How about why your credit score is important? What about handling issues repaying your student loans?

As part of Financial Literacy month, Moraine Park Technical College encourages you to learn more about your personal financial situation using some of the great resources that the College provides.  There will be displays and events all month long!  Stop at any campus library to pick up some financial goodies (and maybe a treat or two!)  Check out the MPTC library materials on personal finance.   Be on the look out for some stress-busting and financial-knowledge-boosting activities around campus including a Scavenger Hunt contest!
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