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Your student loans might be the last thing on your mind when you have your classes, rushing a sorority and that guy down the hall to figure out, but there are a handful of things you should do now that will put you ahead of the curve come graduation.

So velcro up your Trapper Keepers, students. Class is now in session.

The interest on these loans capitalizes, which means it gets added to your total loan balance. And it snowballs from there.

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Most aid offices require you to fill out FAFSA every yearso set a calendar reminder now to look over it in the frwshmen. Far more people believe their loans may be forgiven one day than is statistically likely. Other forgiveness options will take decades.

And if you do go the forgiveness route, know that the tax bill at the end may be unpleasant. The much more likely case is that you will have to pay off your entire debt. And know the difference: Forgiveness only applies to federal loans.

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If you have private loans or consolidate your federal with a private lender after the fact you have no chance of forgiveness. Take time to do research yourself.

Ignore them. The scammers can access all of your personal information with it, which will cost you much more than your student loan payments.

The A. Alicia Adamczyk.

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