 And the third thing I would do, and this could be a bit of a surprise, is talk to your employer. More and more employers are actually offering help when it comes to student debt. Employers have recognized that student debt is a burden for so many of their employees, and they've started to lean in in two primary ways. The first is by just directly paying down on their employees' student loans. And this hits right to the heart of the issue, and it helps their employees to pay down their debt faster.