# Loan debt managementCurrent and Campus  Change Students

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

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- [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 you 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](https://www.thelantern.com/classifieds/). 

## 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/)\