You can choose the repayment strategy that will boost your psyche or the method that will cost less over time.Video provided by Newsy Newslook

Amanda Hill, 27, deals with to keep her other bills small. 

“I have cut out all the things that aren’t absolutely necessary,” Hill said. 

She eats out maybe once a month. She limits her driving to control how much she spends on gas. She lives in an apartment. 

She avoids getting her nails done or shopping. She buys clothes about two times a year.

Hill – who is juggling $90,000 in student loan debt after graduating in 2015 from Hampton University in Virginia – figured she didn’t need a car payment