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That group’s share of the debt has skyrocketed from $8 billion to $67 billion and many are having loan payments deducted from their Social Security checks.

The average student loan debt for 2016 college graduates who borrowed to get through school was $37,172.

A college graduate can expect to make about $1.3 million more than high school graduates over the course of their working lives.

How much you borrow, at what terms, and how you manage your student loan repayment can have a serious impact on your budget, your credit score and your ability to take out a car or mortgage loan in the future.

If $382 a month is too much and you decide to use one of the alternative repayment programs like Income-Based Repayment or Pay As You Earn to stretch payments out over 20 years, the monthly payment drops to $231.