If you have debt I'm willing to bet that general clutter is a problem for you too.

Learn how to prioritize all your debt. And did you know student loan debt is the most dangerous debt any of us can have?

Even if you were to fall into extreme financial hardship and file for bankruptcy, you need to understand that your student loan debt will not be discharged in bankruptcy. It is the Velcro of all debts.

Like your home's closets, your financial clutter needs an overhaul every now and again, and the payoff will go far beyond the psychic satisfaction of neatening up.

The only way you will ever permanently take control of your financial life is to dig deep and fix the root problem.

The most important loan to pay is your student loan. It's more important than your mortgage, car and credit card payments. You cannot discharge student loan debt in the majority of cases.