If you have multiple student loans or different credit cards with debt on them, look into loan consolidation.

Consolidating your debt into one loan can make life a bit more manageable -- think about how awesome it would be to not have to pay 3 different credit card bills, and instead just deal with one!

If you do go with this route for credit card debt, don't close old accounts! The age of your credit accounts is a huge part of your credit score. Just leave the accounts open but don't do any spending. You can even cut up the card if you have to.