Bonus tip: Avoid debt in the first place.

USA Today reports.

Ack! $37,000 in college debt! Now what? Top tips from 2 authors

The graduation party is barely over for the class of 2016, but for many the bills are already coming due. On average, this year’s crop of grads has just over $37,000 in student debt each, according to Mark Kantrowitz, publisher of Cappex.com. How they manage that daunting debt load will have long-term consequences on their financial well-being.

Alex Chediak, author of Beating the College Debt Trap: Getting a Degree Without Going Broke, offers today’s grads his three top tips to start out on the right foot.


 
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