Repaying a student loan is not always an easy thing to do. The chances are that if you are right out of college, you are earning a limited income while you try to establish your career. You are new to budgeting for life expenses on a full-time basis, and you’re getting less help from your parents or other relatives.What you can be left with is a loan amount that is staggering. It can overwhelm you. If it does, then you need to be smart enough to realize that you need to get help, and you need to be smart enough to know where to go to get help.If you’ve taken out private student loans, as soon as you think you’re in over your head, it’s wise to contact the borrower and explain your situation. Chances are they can find some kind of an arrangement to refinance your loan or work out more favorable terms that would allow you to extend the life of your loan.With private or federal student loans, the last thing you want to do is shy away from the responsibility. You could find yourself being sued, having your credit wrecked or experience other unpleasant repercussions due to your inattention. This might include having your wages garnished or your tax returns seized.If you have a federal loan, determine what kind of loan it is and make contact with the agency that is servicing the loan. With a federal loan, you may be able to get a deferment or forbearance that will delay repayment of your loan. You may be able to also consolidate your loans into a single and more affordable payment.However, if you find yourself in a dispute with a loan servicer, it might be wise to contact an attorney who specializes in resolving student loan issues. They will be able to represent you as you work through your concerns, and they will also be able to give you expert counsel so that you are not at a disadvantage as you navigate the system, which can be daunting in many ways.Hoverson Law Offices serve clients in Minneapolis, Bloomington and other nearby Minnesota communities.