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Smart Money Tip: Mark Your Calendar For December 31

Mark your calendar for Dec, 31. That’s the last day before Uncle Sam starts collecting federal student loan payments (and charging interest) again. If you or a loved-one have federal student loans, make the most of the next month.

DO THIS TODAY: If you can afford it, put the equivalent of your minimum payment for your student loan in your emergency fund, save it for an upcoming expense or pay down higher-interest debt with that money.