5 things I wish I could tell my 21-year-old self about taking out student loans

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5 things I wish I could tell my 21-year-old self about taking out student loans
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Unless you find a way to grow your income, frugality is only going to help so much

After graduating from college nearly debt-free, I took out over $60,000 of student loans for graduate school. At the time, I felt a lot of shame around taking out loans, and because of that I didn't make a plan to deal with them. If I could give my former self some advice, it would be that it's OK to take out loans, but you need a plan — and that unless you grow your income, frugality can only go so far. Visit Business Insider's homepage for more stories.

After graduating from college nearly debt-free, I took out over $60,000 of student loans for graduate school. At the time, I felt a lot of shame around taking out loans, and because of that I didn't make a plan to deal with them. If I could give my former self some advice, it would be that it's OK to take out loans, but you need a plan — and that unless you grow your income, frugality can only go so far. Visit Business Insider's homepage for more stories.

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