I believe that there is a lot of attention being given to the student loan problem today and for good reasons. It is a form of debt, which means that it should be paid off as quickly as possible but it doesn't seem like this is occurring nearly as much as it should. Collection services can tell you that better planning could be a way for these amounts to decrease. Aren't there other steps, though, when it comes to decreasing these normally substantial amounts in the long run?