Poor millennials. They’re swamped by college loansand struggling to get by with jobs that pay less than theyexpected.

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In fact, according to online coaching tool Onbotraining, studentdebt levels are five times higher than they were 20 years ago,resulting in numerous students falling behind in their payments andtaking a hit to their credit ratings—or just not putting any moneyaway for retirement because they’re too busy paying off thoseloans. And that’s going to hurt them—both now and in thefuture.

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Related: Millennials envision a differentlife

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But that doesn’t mean that millennials are doomed to a lifetimeof (not so) easy monthly payments to dig themselves out from under.In fact, Onbotraining’s founders, former Olympian IngaStasiulionyte and motivational writer Alex Monaco, put togetheradvice for millennials looking for a way out of the student debtrat race.

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First and foremost, Stasiulionyte advised, look for otheroptions than loans. She financed her college education via a fullscholarship for her javelin skills—but pointed out that otherpossibilities exist, including paying jobs, help from familymembers, looking for investors or launching a crowdfundingcampaign.

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But if they’re already mired in debt, millennials can look forways to get out of that hole as quickly as possible. Suggestionsinclude cutting expenses to the bone—driving a used car, perhapsliving with relatives to save on rent, avoiding shopping and notindulging in luxuries like vacations. If they’re Web-savvy,millennials can try making extra money by blogging or Webdesign—anything to boost the amount they’re paying on those loansto get them paid off faster.

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Related: Side-hustling millennials find workoutside of day jobs

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Of course, none of these may sound particularly easy or fun, butthat’s part of the problem, according to Monaco. Millennials don’tsee the value in being thrifty or struggling to achieve theirobjectives, which Monaco said means those objectives just aren’timportant enough to them—they aren’t hungry enough to achieve theirgoals. So they should learn to be hungry.

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“It’s not enough for people, especially millennials, to have theinformation or the directions in order to become passionate aboutsomething,” Monaco said in a statement. “Young people need to bementored…. The main difference between those who succeed and thosewho don’t is the passion and motivation. The richest people are thehungriest ones.”

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