Here we address creative ways to mitigate the pain of student loan debt if you're finished with college or have already taken on debt.

In this episode:

• Review on previous student loan hacks [1:00]

• It might not be possible to leave school completely debt free, but the goal is to minimize debt [4:00]

• Most 4-year universities are required to accept 2-year or community college credits [8:30]

• What to do if you’ve been in school for a few years and already have debt [9:00]

• “What can I do to reduce debt?” should be your new mantra [13:00]

• A little known secret, major student loan debt hack [15:00]

• What to do if you plan on working for a non-profit or government agency out of school [18:30]

• Tax status hacks for married couples [21:30]

• Employers who help with student loan debt [24:00]

• Do you sacrifice while in school or after? [26:30]

• Possible living situations [30:00]

• How a college degree allows you to engage in and benefit from capitalism [37:30]

• Why it’s crucial to be honest with yourself about your financial position [42:00]

• When you have less debt you are able to make better decisions [43:00]

• The sacrifices must come but you choose if it’s today or long into tomorrow [46:00]