An important part of managing your personal finances is keeping your financial records organized. By taking the time to clear out and organize your financial records, you'll be able to find what you need exactly when you need it.

Generally, the earlier you can pay off your student loans, the better off you'll be. You'll save interest and improve your debt-to-income ratio, a factor lenders consider when deciding whether to offer you credit, and your good payment record will be positively reflected in your credit history and credit score.