Make A Plan For Repaying Loans
You likely already have some debt, whether it's student loans or credit cards or a combination of the two. Instead of just making minimum payments, examine how much money you have available to use. If your savings and investments are making less interest than the cost of your loans, it may be time to shift your focus to eliminating debt.  

There are many ways to attack loans. While some prefer to consolidate everything under one loan with fixed payments, others like to attack the loan with the highest interest rate or the smallest balance first. The important thing is to create a plan, track your progress, and stay diligent. After all, minimum payments alone aren't going to get you far. You need to be more aggressive and your future self will thank you.