When you receive your first student loan bill, it’s a serious wake-up call to adulthood. You’ll likely need to rein in spending and adopt more frugal habits in order to pay off your student loan debt. Here’s how:   Try the 50/30/20 budget Start your budget off with the 50/30/20 rule for your after-tax income — 50% for necessities, 30% on wants, and 20% on