Over 43.5 million Americans are on the hook for student loan payments. And for the first time in over three years, many borrowers will have to pay a student loan bill this month. 

The average student loan balance is $37,720. That number isn't small by any means, and it could be intimating to even think about it. But if you tackle that, every other financial goal on your list will be a breeze.

Getting started is the first step. If you're swamped with anxiety and don't know where to focus your attention, below are three budgeting tips to get you moving on the right track. 

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Source Fool.com