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When I was applying to university six years ago, I knew student loans were going to be part of that process.

There was no question that I’d accumulate debt over the next four years. Getting my bachelor’s degree was worth the ,000 price tag.

With Toronto’s growth it has become a less affordable place to do business and the result is growth in the surrounding economies, like Hamilton.

If you have been seeking help with debt, you may have visited (or thought about visiting) a number of places: Unmanageable debt can be stressful.

Up to 60 percent of the cost of your education may have come from federal student loans administered by the Canada Student Loan Program.

It's paramount that you know where your loans came from so that you can be prepared to repay them in a timely fashion.

You may receive correspondence from the government regarding student loan consolidation, and it's also important that you understand that process and what it means to you.

If you needed more financial assistance, you may have explored provincial or territorial loans.

Finally, you may have accumulated private loans and lines of credit offered by banks to help you meet the costs of your education.

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