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You can use repayment or loan calculators to estimate, based off of basic loan terms, how long it will take to pay off a loan or to see how much you'll need to pay each month, helping you plan for your future.

To make repayment easier and avoid late fees, you may be able to set up automatic payments through your bank or loan servicer.

Understanding your student loans and repayment options early, before you're required to make your first payment, could save you a lot of confusion and stress down the line.

Felicia Chen is a Communications Assistant at Credit Karma.

Consolidating your loans may also make repayment easier, but there are tradeoffs.