Recent healthcare graduate Vanessa is facing student loan payments without a job. Financial expert Michelle Kruger suggests utilizing deferred repayment plans for federal student loans. Income-driven repayment plans like PAYE, IBR, or ICR can help manage loan payments. Kruger advises avoiding new debt, creating a budget, and exploring extra income sources. Vanessa can adjust repayment plans when she starts working.

Read more at Yahoo Finance: 3 Smart Student Loan Moves for New Grads Without a Paycheck