You might be putting off saving until some future time when you make more money. But is that really realistic or is it just wishful thinking? 

CNBC ran a story recently about an anonymous couple in New York City who, though they bring in a combined $500,000 a year, haven't been able to set money aside for savings.  So where is all that money going? 

What if I told you that in just a little over two weeks, you could be on your way to saving almost $20,000 on your student loans? You might think I was delusional.  

But I’m not. Refinancing to a lower interest rate can save you thousands of dollars over the life of your student loan. In fact, many people are able to save between $15,000 and $20,000. 

Have you ever thought that if you were making a movie star's salary, you'd never have to worry about your finances again? 

Perhaps that's true, but spending less than you make takes discipline no matter how much is in your bank account. Even the richest celebrities get into money trouble. Here are ten examples of celebs who overspent, underpaid, and made financial messes. Learn from their mistakes.

If you have a graduate degree in a medical field, there's a good chance that along with a drawer full of scrubs and the ability to name every bone in the body, you're in possession of a significant student loan balance. 

Medical professionals have the highest average student debt load among individuals who earn graduate degrees: $161,772. And if you put your loans into forbearance during your residency, that number might be even higher. 

Paying off your student loans before you're retired may feel like a pipe dream. So what can you do about it?

In a perfect world, you'd be able to make your student loan payments on time every month. In fact, you'd pay extra. 

But in reality, all of us can find ourselves with less cash than we need to pay the bills. If you've been struggling for long enough that your student loans are in default, you're probably looking for a way to get back into compliance with the terms of your repayment plan. Student loan rehabilitation may be your answer.

Your relationship with your student loan may be one of the most enduring commitments of your life. On average, most people with four-year degrees take 21 years to pay off their student loans.

That means your student loans will likely be a part of your life for many years to come—when you sell the old clunker you’ve been driving and upgrade to something that won’t leave you stranded on the side of the road, as you apply for a mortgage and move into your first home, or when you welcome a tiny little bundle of love into your life and start paying for daycare.