In this day and age, most people graduating from college are doing so with some level of student debt. That said, its ubiquity isn’t much of a comfort to those ​20-somethings receiving their very first student loan bill. In many ways, taking out student loans can feel like a huge gamble : For those who struggle to find work right out of college, it can begin to look like a bet they lost.

However, a firm understanding of student debt can make it much easier to handle. If you’ve been avoiding thinking about your student debt, it’s time to make a change. Even though it’s tempting to ignore the issue as long as possible, taking a proactive approach will simplify the process, and help you be less stressed in the long run. Here’s a quick intro into student debt that will help you plan your steps going forward  :