Ravell Call, Deseret News

The luxuries of college end after graduation, and then come the student loan bills. The following are some tips on how to pay off student debts from Business Insider.

Do a little sacrificing
Ravell Call, Deseret News

Continuing to live like a student even after graduation can help keep costs down. Living in a cheap apartment, eating at home and using a bus pass will help keep costs down.

Use a degree as leverage

Use a degree to negotiate a higher salary, or ask your employer to pay off student loans instead of giving you a raise.

The longer it takes to pay of student debt, the more it decreases in value. It then becomes more expensive to pay off.

Take advantage of government jobs

Getting a job with the government means that the Office of Personnel Management can help you.

Some programs can help even if you don't have a job. The federal Income-Based Repayment program lets borrowers pay back what is affordable rather than what's owed.

Seize tax breaks

Those in student debt can write off as much as $2,500 on the interest paid towards student loans.

The extra money can be used to pay off the student loans.

Do side work
Scott Winterton, Deseret News

Earning extra income on the side can help pay for student loans.

Income through methods that allow you to earn money while working a full-time job is ideal.

Make extra payments
Scott Winterton, Deseret News

Paying an extra $200 towards your principal will eliminate interest later.

After finding extra money, making additional payments is a good way to save.

Be realistic

Claiming hardship is sometimes necessary. The Department of Education has a Statement of Financial Status for on their website to get grads started.

This can help in the event of a car accident, divorce or lengthy illness.