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While most students graduate with reasonable amounts of debt (unlike what you have probably heard in the news), students and parents certainly could do more to reduce the amount they borrow and minimize their debt. After all, graduating with less debt will help students get started on the right foot.

When it's time to choose a student loan, there may seem to be many more questions than answers.

You may be wondering about what kinds of loans are available to you and what are the best terms to agree upon. Don't be in a state of confusion when you choose your college loan.

To get a better understanding, here are some frequently asked questions about student loans.

In the panic of the college financing season, students and parents are often left wondering - or are even downright angry - about being denied on a student loan. 

If you read the news, you are certain to have come across stories of new graduates suffering with student loan debt. Integrating a loan payment into your life during the time after college and possibly before you have landed your dream job can become strenuous on your finances to say the least. However, studies show that despite the sky is falling news we hear about student debt, student loan payments are manageable for the vast majority of students. You can be one of these students too!

Read on to learn ways that you can take charge of your student loan payments and keep your head above water. 

Thinking about borrowing for college? Here are fifteen questions to ask first. 

1) Can I afford to pay it back?  

Take into account how much your monthly payments will be once you have completed school.  Estimate your starting annual salary here. Then determine how much your monthly payments will be here. According to your annual salary, can you comfortably afford to pay back your student loan?