Tyler, TX — It's back to school time and students are stressed out thinking about the cost of tuition, books and living expenses.

Your college financial plan is important to think about before you order your cap and gown.

And student loans come across every student's mind because they are so easy to get your hands on.

Once the school loan award is deposited in to a student's account, they start accumulating debt. According to experts, students borrow close to $10,000 a year, on average. Students don't think about what they will owe after college. College loan repayments can be from $100-$300 a month.

So don't borrow too much unless you really need assistance.

Students are advised to speak with a financial advisor on campus before they think about borrowing.

If students plan to borrow, they shouldn't borrow too much.

Students should look into grants, scholarships and financial first.

College is just expensive, so just make the best decision when your seeking tuition and financial assistance.

It's the beginning of the semester... students shouldn't stress out too much, they should meet with the a financial advisor as soon as they can, either way...education is an investment in your future.