Debt-it's the four-letter word that haunts many of us from the moment we frame the diploma. Recent college grads carry a debt load averaging $20,000, according to the National Center for Education Statistics. Trying to pay that down on an entry level salary could take decades. But there are some payoff strategies that could help you clear your college loans without paying a penny more than you have to. The smartest gals implement these cost-saving strategies.