Alicia is about to start her first year of college. She knows that while it may seem early, it's a good idea to think about ways she can minimize her total student loan debt while she is still in college. Which of the following steps will be MOST effective in helping her minimize her student loan debt and prepare for loan repayment once she graduates?

Wait until after she graduates to contact her student loan servicer, there won't be much to discuss if she contacts them during her freshman year.

Accept federal unsubsidized student loans first. Then, if she has any remaining balances to cover, accept federal subsidized student loans.

Start researching repayment options and plans only when she is about to graduate

Make as many interest payments as possible while she is still in school to minimize her total debt after graduation
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