<prompt> Human: The end is in sight! I just applied for college graduation in the fall and was wondering if any of you would share the absolute best financial advice you have for a new college graduate, maybe something you wish you would have known, or something that is out of the ordinary. I have a few student loans and a car loan totaling about 20k, but no credit card debt. I make all my payments on time or early, and am very frugal when it comes to my personal expenses. I never expect to make millions, but would like to pay off my loans as soon as possible.  <response>: dont let your spending balloon to match your income assuming you have a job out of school. stick to the poor college kid lifestyle for a while, stash your money in savings or pay down all your debts, then have fun. I graduated in May 2011 and Im already kicking myself for not heeding this advice. 