…  now, you may have paid little attention to the loans you’ve been taking out to pay for college. But usually about this time, …  borrowed for college leaves school with almost $20,000 in student loans and about $2,000 in credit-card debt. About two-thirds of …  around, it will be too late to nab fairly low interest rates, at least for the next 12 months and maybe a lot longer. Here is …