Back to Guides
Loans February 8, 2026 Fin-Ed Counselor @ eCalcy 11 min read

Managing Student Loans: A Debt-Free Strategy

Don't let education debt hold you back. Learn the most effective strategies to pay off student loans faster and save on interest.

Managing Student Loans: A Debt-Free Strategy

Education is an investment, but it shouldn't be a life sentence. In 2026, smart repayment strategies are helping graduates clear their debt in half the time.

The Avalanche vs. Snowball Method

The 'Avalanche' method targets the loan with the highest interest rate first, saving you the most money. The 'Snowball' targets the smallest balance for quick psychological wins. Choose the one that keeps you motivated.

Repayment Planner

Calculate your monthly EMI and see how extra payments reduce your loan tenure.

Put this into practice

Start planning your loans with our free Debt Reduction Tool.