Student loans are a necessary evil in today’s economy. It is almost impossible to get a decent job without a college education, and even with a degree, the odds are stacked against you. As a result, many college graduates find themselves in temporary positions or still in the midst of their job search by the time their student loans are due for repayment.

Luckily, new federal and private initiatives have been implemented that can help you repay your student debt without falling into financial ruin, and these tips will help you learn how to take advantage of all your options.

Educate yourself about student loan repayment

Don’t let the bills pile up. Find out what kind of loans you have, and figure out what your grace period is. A grace period is the time that you can wait from when you leave school to when you must make your first payment. Different loans have different grace periods, but the most common time frame is six months. Oftentimes, it makes financial sense to consolidate your student loans into one so it is more manageable. Check with your leader to make sure your grace period has not changed once you consolidate.

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