For you to repay your loan most quickly and efficiently, you need to have a solid plan before you begin repaying your student loan. For you to create a suitable repayment plan, you need the help of a financial expert. For you to come up with a repayment budget that you can afford monthly, you need the help of a financial expert. If you can afford, try to pay an extra amount of money on top of the budget each month. When you pay an extra amount each month, you can finish paying your student loan much faster.