tidbit: a new IDR plan will cost $70.3 billion over the next decade. Fortunately, there’s a way to minimize your student loan debt. The best way to do it is to take a proactive approach by using the tools and resources at your disposal. One of the first things you should do is to review your credit card statements to see where you owe and what you owe. Thankfully, you will have a reassurance that you are not overspending on credit cards or loans you cannot afford. You may also wish to file a complaint with the Consumer Financial Protection Bureau (CFPB). If you’re unable to do it yourself, a professional can be at your service. A good credit card carrier can help you navigate the maze that is the credit card industry. It’s a hard road to tread, but with some planning, you should be able to squeak out a winning score. The reward is a hefty reduction in interest rates and fees, plus an extra a day in your pocket. You may also be eligible for student loan forgiveness if you’re unable to make your payments on time. If that’s not in the cards, a student loan consolidation may be in your future. There are many student loan consolidation options out there, and many can be found at your local community college. Using one can save you up to 50 percent off your loans, and put you on the right track for a new lease on life.