Now that the moratorium on student loans is set to end later this year, millions of borrowers will need to begin factoring payments into their budgets again after a three-year pause.

If your finances are already stretched thin, it may be tough to start making student loan payments again -- let alone while continuing to save for retirement. However, with the right strategy, you can make the most of every dollar while working toward both goals. Here's how.

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Source Fool.com