Student debt is something scary that almost all graduates face. College graduation is the beginning of adulthood and it is so pitiful when it starts from debt. To avoid this or minimize the impact of this money issue, applying for a student loan should only occur after having fully examined this issue. Don't have money to hire an expert, there is a lot of free info on the net. For example, FitMyMoney tells about student loan debt and pitfalls to avoid; or they teach how to keep student budget and discuss why student loan balance is going up and how to prevent it. So, just take it more seriously.