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If you are like millions of college graduates, you took out a few loans to get through school. It's payback time, but we have some very good news for you. The interest rates charged on these loans are at historic lows. Because of this, you really should consider lumping all your loans into one and locking in the interest rate for the life of the payback. This is called loan consolidation. Here's how it works, along with a few other student loan tips.

Lock in low student loan rates, Shoveling out from under student loans, Good deeds help pay down college debt, Repaying student loans: Slow is OK, but never stop

Compiled by Dena Dubay, Dani Arthur, Amy Fleitas and Myra Cristobal. Illustrations by Brandy Kesl.




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