Sometimes, you may find that you need help paying back student loans. This is natural, as most recently graduated students don’t have a stable income source, or if they do, it’s entry level and not enough to cover most bills.If you find yourself living from month to month and you have trouble paying back massive amounts of student loan debt, then the first thing you need to consider doing is to get a debt consolidation loan. Debt consolidation is where you take out a large loan with lower interest and pay off smaller loans with higher interest.Instead of having to make a serious of small payments several times a month, you can make one, single monthly payment. In addition, your monthly payment will be lower because of the lower interest rate.With debt consolidation for student loans, you can also stretch out your repayment periods to get a lower monthly payment – though this will cause you to pay more interest over the long run.You can also help pay off student loans by making sure you keep a strict rein on your spending habits. By living cheaply and putting ever spare cent you have into paying back your student loan, you ensure you will be paying of your student loan as fast as possible and pay less money because you won’t be paying as much interest.Most former students need help paying back student loans. But with debt consolidation, and proper spending habits, it’s possible to pay back student loans faster while still being able to afford a decent standard of living.