Don’t be afraid to contact your student loan servicer with concerns about debt.

How to Start Paying Off Student Loans

Kick off your payments with honesty and responsibility.

Don’t be afraid to contact your student loan servicer with concerns about debt.

Don’t be afraid to contact your student loan servicer with concerns about debt.

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6. Focus on the future: If you find you're scrimping or sacrificing to make your monthly student loan payments, it may help to remind yourself what you're paying for.

"I really value the education I got, and I got a good job, so it paid off," NYU graduate Mitnick says. "Right now it seems like a lot, but in 10 or 15 years ... it will be worth it."

Trying to fund your education? Get tips and more in the U.S. News Paying for College center.