If you're like most college grads ( 70% of us) you're starting your post-grad scramble to figure out how the f--k you're going to pay off all the money you borrowed to get that expensive degree. At this rate, the majority of college students and graduates have loans that average about $35,000 per graduate, making the class of 2015, according to the Wall Street Journal economic blog, "the most indebted ever."

While you could start subtweeting Ellen Degeneres and Taylor Swift to see if they'll help you pay off some of the debt, we kinda suggest you have these as your back-up plans. You know, just in case.

The Standard Plan.

It's the standard for a reason. Although the monthly payments are higher than they'd be in other plans, it lets you pay off your loans in the shortest amount of time (starting at about 10 years). So you pay less in interest in the long run. The payments are fixed at a minimum of $50 a month.

Income-based Repayment Plan (IBR)

IBR plans are one of the several that allow you to make monthly payments based on your income provided that your payments under these plans are less than they'd be under the standard plan, which typically means that your debt is higher than your annual discretionary income (the money you have left over after taxes, necessities and crying). If you have loans from before July 2014, your payments are less than 15% of your discretionary income and your loan will be forgiven after 25 years. If you have loans from after July 2014, the amount won't be more than 10% of that income and your loan will be forgiven after 20 years.

Pay As You Earn (PAYE) Repayment Plan

Like the "new borrower" part of the IBR plan, PAYE doesn't take more than 10% of your discretionary income and you get your loan forgiven after 20 years. This plan also includes certain loans from a little farther back. So if you borrowed between October 2007 and received a disbursement of your loan after October 2011, this might be the plan for you.

Income Contingent Repayment Plan (ICR)

While there aren't any income requirements, this payment is always based on your income and the size of your family. For the ICR you get to choose whichever of these options costs you less: 20% of your discretionary income or a fixed payment over 12 years (adjusted to your income as it changes). With the ICR plan, your loans will be forgiven at the end of 25 years, but in some cases the cost as a whole could be higher than the amount you would pay under the Standard Repayment Plan.

Public Service Loan Forgiveness (PSLF)

The PSLF program was designed to incentivize and reward people who take on careers in public service. After making 120 qualifying payments on their loans while working for participating public service employers, borrowers can qualify to have loans from the Direct Loan Program forgiven. Hooray!

Wait Out The End Of The World.

Start sending your payments on time and keep at it. Every month. Forever. I'm sure there's another apocalypse scheduled in the next few years, so there's something to look forward to.