You might be thinking,Nopemdash;this is going to take forever!Donrsquo;t get it twisted. Most people that go all in on this plan pay off their debt in 18 to 24 months! Thatrsquo;s not quite forever, is it?My favorite thing about working the debt snowball method is that yoursquo;ll feel the progress yoursquo;re making as each student loan disappears.Knocking those smaller loans out first will give you a couple of quick wins and help you stay motivated to crush the bigger student loans fast! Determine if refinancing is right for you. Refinancing is opening a new loan to pay off one or more existing student loans. It may enable you to combine multiple loans into one, making payments more manageable, and/or get better terms than your existing loan(s) — a lower annual percentage rate, or APR (interest rate plus fees); a shorter term; and/or lower monthly payments. cash n go payday loans Be sure to factor in any fees or other charges as you evaluate whether refinancing could save you money and shorten your repayment term. (PNC offers tools to help you explore your options for refinancing student debt.)