For SoFi’s millennial members, Twenty One Pilots’ hit “Stressed Out” is more than a good song—it’s an anthem. And this lyric says it all: “Out of student loans and treehouse homes, we all would take the latter.”

How could it not? Roughly 70% of 2016 college graduates borrowed to get their degrees, leaving them with a whopping $37,172 in student loan debt, up from about $35,000 in 2015.

SoFi’s newest series, Guide to Adulting, covers all things money, career, and relationships, and how to win at each. Excelling at all three isn’t easy, but with a little guidance, you’ll be well on your way. Whether you’re starting your first job or ascending to a new role, we’ll act as a mentor in your pocket to help you advance in your career.

We pick up from last month (where we discussed how to transform your networking approach), with tips on how to navigate your first 90 days at a new job, establish rock-solid relationships with co-workers, and catapult yourself to success as the newest team member.

The average American household carrying a credit card balance has over $16,000 in debt, but you sure wouldn’t know it. People talk all day long about their workouts, favorite apps, and their love lives, but bring up the subject of money, especially credit card debt, and suddenly everyone clams up.

Borrowing to pay for college, a down payment on a home, or even a car is a financial given for Americans striving to reach their long-term goals. These loans are as common as Sunday brunches and binge watching Netflix. And with the rising popularity of personal loans, it’s clear that they, too, are becoming a part of the financial journey for many people.

When you’re struggling to pay student loans, it helps to know you’re not alone. Members of the class of 2016 now carry, on average, $37,173 in student loan debt—up 6% from last year. It’s not easy, but there is good news: You live in the digital age! Want to redecorate your home? There’s an app for that. Manage your bucket list? There’s an app for that, too. So it should come as no surprise that there are a number of websites, tools, and finance apps designed specifically to improve the loan payment experience.

Yet, even with so many options available, it can be hard to make a plan to tackle that debt in a way that’s efficient and helps you see results. We know you’re busy and there’s no quick and easy way to filter through hundreds of online resources to find the best tools for your needs, so we’ve done the work for you.