In August 2015, WalletHub released its state-by-state analysis of student-loan debt. It’s little surprise that student-loan borrowers fare better living in states with stronger economies and higher incomes. Topping the list? Utah and Wyoming. But before you even get to paying off your loans, you need to know where to begin. KWHS turns to its favorite personal-finance blogger for five tips that will help empower you to make savvy decisions about your student loans.

Zina Kumok’s Guide to Smart Student-loan Liftoff