No one wants to graduate with debt, but, Jan Miller, a student loan consultant and president of Miller Loan Consulting, said "for a majority of students, it's inevitable."

He said everyone's situation will be different, but there are four tips you should always keep in mind to help manage loans.

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"It all starts with understanding how much money you're going to make when you finish school, so you can correlate that with how much debt you're going to make," said Miller. 

His four tips are:

  • Plan ahead
  • Make a payment plan
  • Ask for help
  • Don't panic

"It’s still an investment in their future, and it can be removed as a burden as long as it’s understood, and it might not seem like that if you’re $200,000 in debt," said Miller. "But it is manageable. You just got to face the music and look into your options.”