Editor’s Note: The loan offers mentioned in this article are expired and no longer available. According to the Institute for College Access & Success’ Project on Student Debt, the average college graduate is carrying around $29,400 in student loan debt. Of those student loans, almost 12 percent of them are 90 days or more past

If the housing bubble bust taught the average American anything, it taught us to only take on debt we can realistically afford. Living beyond your means can mean a nice house and no time to spend enjoying it because you need three jobs to afford it. So, the first question you ask yourself is how