Very few people can afford to pay for college without some financial help. For most, that help includes taking out one or more student loans. The trick is to keep that borrowing at a level you’ll be able to deal with after you graduate. &ldq

After you graduate, you’ll have a six-month grace period before you need to start making payments. During that period, think about the kind of repayment plan you want, advises Nancy Capoziello, senior associate director of student financial servi