information everybody needs to know. welcome to the real world. >> it's tough. 60 percent of students take loans to pay for their educations. this year's class graduating with 27,000 dollars on average. it is a phenomenal amount of money. >> the only way to make due on this debt and to have the credit impact is to have the credit payment plan. you have to find oun that works for you pofor your budget that allows you to come from a pay as you go plan program. you can fiddle around on a site to see which repayment fund is best for you. you have to pick the one that is best for you. >> you have six months after you graduate then you got to start. >> you say number two, tip number two, prioritize your debt. this is if you have a few credit cards. >> the reason i mention this is two-thirds of grads have more than 4,000 in credit card debt on average. this debt is not as flexible as