Going into debt to further your education can be worth it – up to a point. But please do not assume that it is always the case. As with many other financial questions, whether student loan debt is “worth it” depends on the specifics, so you will need to crunch the numbers for your particular situation.

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Now’s the time get on track, to make the right moves that will build on this first big milestone and set the course for a comfortable financial future. Knowing what the “right moves” are to be sure you are “on track” is the tricky part.

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Many people deal with financial stress a lot like they deal with their health; that is, they ignore it for as long as possible and hope it works itself out. Even individuals who know what they should do are often unable to overcome the barriers that keep them from taking action.

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If you are in a position to help a friend or family member recover from a financial road bump, great! Here are some guidelines that will help you handle the transaction with grace – including when and how to say “no.”

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