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How many times have you heard someone say: “There’s an app for that?” 

If you’re knee-deep in student loans and looking for ways to help pay off your debt faster, you might want to try an app or online tool that does just that. Here are few to help you get your finances in shape and, in some cases, make money with your smartphone.

Let me guess: it’s 3:49 in the morning, and you’re awake and stressing out about your student loans again. If that’s what’s going on right now, we gotcha.

Sometimes you just need to take a deep breath, realize things aren’t as bad as your jerk brain is telling you they are, and read a few articles online that make you feel better. Here are 10 things to read if you’re freaking about your student loans right this minute.

Did you know that you can refinance your federal loans, score a lower interest rate, and pay off your debt faster than you could under the Standard Repayment Plan? Really. 

If you're wondering how to pull that off, the good news is that it's not hard. All you need to do is refinance with a private lender. Here's what you need to know. 

If you have that giddy butterflies-in-the stomach feeling and everything else feels right and natural, there are plenty of things you’ll want to overlook when it comes to love. One of those is a bad credit score.

But if getting engaged or married is in your future, your partner’s credit score will affect your financial future. And so will a lot of other things about their financial life.

Did anyone else have the typical delusions about adult life after graduation?

Like, the dream where you’ll have traveled around the world by the age of 29, have a downtown loft full of natural light, and throw epic parties that involve aerial performers and wine in fancy decanters? All while sporting six-pack abs despite spending zero time at the gym?

Consolidating your student loans can seem like an attractive idea. After all, one payment may be a lot easier to manage than several. 

Before you jump head-first, it's important to understand how student loan consolidation works. If you have federal student loans, you have two options for consoldation: through a Direct Consolidation Loan or by refinancing through a private lender. If you have private loans, or a mix of federal of private, you can consolidate by taking out a new loan through a private lender. Let's talk about how each of these options work.