It kind of kills me that one of these isn't stickied at the top of antiwork. Regardless, please get on this right now if you have student loans. I doubt there's anything more lucrative that you can be doing with your time than applying for a minimum of $10k, and up to $20k if you took pell grants, off of what you owe. It takes 10 minutes or less, so do it! Do it now!