Don't you wish you could lower your student loan payment? It's possible, and legal, do work some "magic" to get your student loan payment lower.

If you don't do anything with your student loans, you're automatically signed up to a generic repayment plan that typically has even payments for 10 years. However, that can be tough, especially right after graduation.

Maybe you've just started working, or maybe you don't even have a job yet and you're just side hustling to make a little money? Maybe that standard repayment plan option just isn't working for you, and you're worried what will happen if you don't make a payment or you default. Maybe you haven't looked at your student loans since before the payment pause?

If you're considering student loan deferment or forbearance, or if you're thinking about simply ignoring your student loan payments, don't!

Here are five legal ways that you can lower your student loan payment so you don't have to go into default.