The document discusses 3 ways for students to avoid debt problems from student loans: 1) Carefully read your loan repayment agreement and understand the terms, such as opting for standard or income-driven repayment plans. 2) Be cautious about how much you borrow and do not take on more debt than you will reasonably be able to pay back based on your expected earnings. 3) Maintain communication with your loan servicer and contact them immediately if you experience financial difficulties to find a solution to avoid damaging your credit score.