By  Matthew Keegan

Spending time in college means going to classes, writing papers, studying for exams, and enjoying the college experience of fun, food, and frolic. Oh, if it only were that easy! Chances are you are racking up some serious debt in the form of students loans. If you have already graduated, then you are probably in the process of paying your loans back. Are you happy yet? Maybe not, especially if your student loans are more of a burden than you originally had expected. Read on, please, for some ways you can ease the burden and live a life that goes beyond paying off debt.

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For nearly a year, Jacob Polansky dreamed of buying a black, Honda CBR 1000. At least once a month, he would pop into a motorcycle store, sit on, as he called it, “the black beast,” and dream about the day he would one day drive it home. There was just one thing standing between Polansky and his dream – a poor credit history.

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Sitting on her living room floor, Margaret diligently added up her credit card bills. She had done it again – wracked up a $20,000 debt and that didn’t include her $150,000 mortgage. It was time to take action she decided. She gathered all her cards dumped them into a bucket of water and froze them in the refrigerator.

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