It is interesting how you go to college for four years and then open the door to embark on a bright future, but trip over your pile of debt. By the time most students enter the job market, they are going with a heavy bundle of unpaid student loans. At graduation, students receive a wide awaking that life ahead requires planning and patience to pay off debt. An individual who carefully saves money and does not frivolously spend every dime of his or her new found paycheck, should be able to pay off the debt in a few years. Debt consolidation is a major area of concern for the young professional looking to make his or her mark on the world. Often young adults get jobs where they are making more money than they have ever had before. Their instinct is to spend the money on anything and everything. The problem is when the debt begins to add up. And it does so very quickly. Debt free is an allusive place that many college graduates chase around for too long. The key is to immediately begin saving as much money as possible. Prior to getting a new, nice paying job, students could live off a more limited budget. Rather than going full steam ahead and spending an entire paycheck, young adults need to directly deposit some of their paycheck into a savings account. If it was possible to live comfortably without all of this excess money, then there is no need to spend it just because it is available. Time is the greatest friend of a recently graduated young adult. The money put away in the bank will only become larger with interest in the future. Practice of good debt consolidation will produce better returns down the road. The first priority of a college graduate is to pay off student loans. The sooner they can be paid off, the better. It is more logical to put your money in the bank than to use it to pay off interest rates. It is a shame to see so many people struggle with debt their entire lives. With intelligent saving practices, and proper spending, it is an avoidable problem.