# Loan debt managementIncoming  Freshmen

**Source**: https://sfa.osu.edu/incoming-freshmen/accept-aid/loan-debt-mangement
**Parent**: https://sfa.osu.edu/incoming-freshmen/apply-for-aid

- [Print](# "Print this page")
- [Email](mailto:buckeyelink@osu.edu "Email us: buckeyelink@osu.edu")

While at The Ohio State University, it is important that you always keep track of your debt levels. There are several tools available to help you manage your debt.

## Budget planning worksheet

While you are in school, maintaining and sticking to a budget is key to your financial wellness.
[Make a budget.](https://studentaid.gov/resources/prepare-for-college/students/budgeting/creating-your-budget)

## Student Job Boards

If you need extra cash while in school, consider a part-time job. Student employment resources include [Ohio State Handshake](https://careers.osu.edu/students/handshake), the [Alumni Career Connection](https://www.osu.edu/alumni/resources/career-management/job-boards), and the classified section of The Lantern.

## Scarlet and Gray Financial

This program offers free and confidential one-on-one peer financial coaching to students. Peer coaches are extensively trained through Scarlet and Gray's Leadership and Peer Coach Development Programs.
[Get more information.](https://swc.osu.edu/services/financial-education/financial-coaching/)\

## Don't over-borrow

Only take loans that you NEED -- your future self will thank you! Just because a financial aid loan is offered to you doesn't mean taking the loan is the best decision for you. Be sure you fully understand the terms of your loans.

- [Considerations When Taking Out Federal Student Loans](https://studentaid.gov/understand-aid/types/loans#considerations)​
- Use a
  [repayment estimator](https://studentloans.gov/myDirectLoan/mobile/repayment/repaymentEstimator.action) ​
- Financial aid counseling with Buckeye Link, (614) 292-0300,
  [help.osu.edu](https://help.osu.edu/)\