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Credit.com: 7 ways to lower student loan payments

Maybe you’ve recently graduated and you’re feeling trapped by your student loan payments. Maybe you’re unemployed or going back to school or trying to plan your financial future with your spouse. Whatever the reason — job loss, pay cut, unexpected expense, or not enough savings — paying off student loans can feel like trying to dig yourself out of a hole. Take a breath. Have a seat. And understand this: you’re not alone.

Four in 10 adults under the age of 30 have student loan debt, as well as thousands of others, according to Pew research. Paying off student loans can be stressful, financially difficult, and simply confusing.

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