Every year thousands of college graduates leave their campuses, usually with a degree, but almost always with debt.  In fact, a recent study by the National Center for Education Statistics shows that nearly 50% of college graduates have student loans averaging $10,000.  Maybe you took on a student loan to finance your education.  Let’s talk about how to think about that debt – and how to pay it off in the context of all your other competing financial needs and desires now that you are out on your own.