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Reyna makes navigating the student loans and post-collegiate life a breeze with her tips and budgeting advice. It s a complicated world, but Reyna breaks it down for us. With her guidance, you ll not only survive graduation and beyond, you ll thrive. Kimberly Palmer, senior editor for US News & World Reportand author of The Economy of YouUpdated to reflect the myriad changes in the student loan industry that affect students and their parents burdened with student loan debt, this trusted guide provides a step-by-step road map for effectively managing student loan debt and having a successful financial life. You ll get expert advice on how to: Evaluate your student loan debt situation Organize your student loan debt payments Consolidate your federal loans Manage your private loans and payoff strategies Budget for your lifestyle and your student loans Pay off your non-student-loan debt Understand how your debt looks to lenders Budget during down times Pay off your student loans earlyReyna Gobel, M.B.A., M.J., is a freelance journalist who specializes in financial fitness. Her expertise is in the student loan industry, in which she advises debt-burdened students (and their parents) how to successfully create and stick to a path that makes them debt-free."