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Published: Jan 05, 2022 6 min read
A person is looking at money tassel that's coming off from the graduation cap.
Rangely García / Money

This article is part of Money's January 2022 digital cover, which features 22 ways to make 2022 the best money year of your life. Browse all 22 articles here.

Paying down debt — student loans or otherwise — is a perennial item on New Year’s resolution lists. But like many a resolution, it’s easy to lose your motivation as the year goes on, especially if you don’t have a clear plan of attack.

These moves, which get a boost from the current freeze on federal loans through May 1, will help you make that plan.

Here’s how to pay down student loan debt faster this year.

Take advantage of the final days of your 0% interest rate