Donating to charity is a noble thing to do, but be sure you do your research before you donate your hard-earned money. Looking into the organization and using good judgment will help give you peace of mind that your donation is going towards a good cause.

One demoralizing aspect of paying student loans is the interest. Each month, only some of the money you send off is actually going toward the principal - and your education is costing far more than the sticker price.