The massive expenses behind higher education in America have been a hot button issue for many years. Every year, thousands of students graduate with thousands of dollars of student loan debt to their name. It may seem like an unbearable vicious cycle to most, but Michigan State University’s Office of Financial Aid stresses that there are options available that will keep students from going into default. Reaching default haunts credit scores for years, affecting what purchases a person can make. Graduates today are using plans that tie loan payments to income. These income-based programs are built to make loan repayment manageable and make life easier for those who struggle to find a job, although the Financial Aid staff does warn about interest collecting when you miss payments.