If you’re a recent college grad, you’re probably dreading when you have to start repaying your federal student loans as much as if you were going to the dentist to get your wisdom teeth pulled. But student loan repayment is a lot less painful and doesn’t require anesthesia. You have options for both getting payment breaks and making your payments more affordable. The main way people get in trouble with student loans is by ignoring them and ending up in default. If you’re a new grad, take control of your student loan debt before your first payment is due with five easy steps, outlined for you in the full story on our sister site, Living on the Cheap.