You are competent, smart, and sure of yourself in most areas of your life. You picked a major, maybe where your passion lies, or perhaps in a field with a growing workforce. You worked hard and earned a degree. Your family is so proud of you. The first job you obtained is good or maybe just steady and the pay is decent. But at the end of the month, you have that thought once again, where did all my money go? It feels as if you make a payment, exhale, and before you can breathe in again another student loan payment is due.