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College Planning Series: Post College Budgeting

You’ve finally finished some tough academic years! You are officially a college graduate! However, there is a bigger financial burden that is following you out of college life. You must now  determine how to repay student loans you took out. Paying off debt is quite a process. So, how does post college budgeting help you with this burden and the many other financial responsibilities in your life?

Follow ACCC's post college budgeting advice.

Follow ACCC’s post college budgeting advice.

Post College Budgeting

No matter what your post-college plans entail, a budget will be necessary to live a financially responsible and comfortable.  The day will come when you need to start paying back any student loans borrowed during college. Therefore it is crucial that you develop a realistic and manageable plan to pay them back. You may find that our debt management advice can help in the process. If you budgeted before and during college, this should be nothing new.

Is Post College Budgeting Different from Budgeting in College?

Creating a budget for post-college life is not very different from the budget you developed in college. Again, begin by assessing all sources of income and all of your expenses.

However, now your expenses may include student loan payments as well as reducing credit card debts. Also, hopefully your degree has helped you land a job and your income can account for these new expenses.

It is also important that your post college budgeting process account for saving. After college, you will most likely have some new financial goals. Whether you’re saving for a home, a higher education, or a new car, factoring savings into your budget is necessary. Also, be sure to take advantage of any retirement savings plans offered by your employer. Retirement may seem far off in the future, but it is never too early to start saving!

If you struggle to pay off debt, ACCC can help. Schedule a free credit counseling session with us today! 


Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

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