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But what some borrowers don’t know, is there are relief programs available to help them pay off their loans without resorting to eating ramen noodles every night AFTER you leave the dorms.

The first stop to get some loan relief is to talk to your lender.

A deferment is a temporary suspension of loan payments for specific reason, such as re-enrollment in a university, military deployment, unemployment, or economic hardship.

The student loan lenders are usually helpful with this application process and, under certain circumstances, can grant deferments over the phone.

See if you qualify or what your payments would be at 5. You can qualify based on your income if you are working full-time and your monthly income does not exceed the larger of A) The federal minimum wage rate or B) 150% of the poverty line income for your family size and state.