Student loans have become common place with rising post-secondary tuition fees many students can't afford the price of education from their savings account alone. A common form of financing is a government issued student loan. Although relatively easy to acquire with little or no credit history, repayment can be difficult upon graduation when confronted with an entry level job and high cost of living.

While student loans have become common and the application process is well presented, the repayment process after graduation is rarely considered. Low paying entry level jobs, unexpected costs of living and changes in family situation can make repayment very difficult.

Seeking advice from an expert to help manage other debts and work student loan repayment into the budget will help ensure that all obligations are met.